LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,329
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,907/mo
Today · 4.125%
HK$64,113
baseline
▲ 0.50% · 4.625%
HK$68,014
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,226/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,116
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,916
−HK$1,826/mo
Today · 4.125%
HK$70,742
baseline
▲ 0.50% · 4.625%
HK$74,471
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,484/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,395
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,647
−HK$2,288/mo
Today · 4.125%
HK$76,935
baseline
▲ 0.50% · 4.625%
HK$81,616
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,870/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,539
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,699
−HK$2,191/mo
Today · 4.125%
HK$84,890
baseline
▲ 0.50% · 4.625%
HK$89,365
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,780/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,461
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,088
−HK$2,670/mo
Today · 4.125%
HK$89,758
baseline
▲ 0.50% · 4.625%
HK$95,219
+HK$5,461/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,516/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,962
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,482
−HK$2,557/mo
Today · 4.125%
HK$99,039
baseline
▲ 0.50% · 4.625%
HK$104,259
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,078/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,593
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,971
−HK$3,432/mo
Today · 4.125%
HK$115,403
baseline
▲ 0.50% · 4.625%
HK$122,425
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,806/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,808
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,048
−HK$3,287/mo
Today · 4.125%
HK$127,335
baseline
▲ 0.50% · 4.625%
HK$134,047
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,670/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,435 · Scale 2, in force from 26 Feb 2026)