LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,333
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,907/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$68,017
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,119
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,919
−HK$1,827/mo
Today · 4.125%
HK$70,746
baseline
▲ 0.50% · 4.625%
HK$74,475
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,492/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,651
−HK$2,288/mo
Today · 4.125%
HK$76,939
baseline
▲ 0.50% · 4.625%
HK$81,621
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,878/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,543
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,703
−HK$2,192/mo
Today · 4.125%
HK$84,895
baseline
▲ 0.50% · 4.625%
HK$89,370
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,790/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,466
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,093
−HK$2,669/mo
Today · 4.125%
HK$89,762
baseline
▲ 0.50% · 4.625%
HK$95,224
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,524/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,967
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,487
−HK$2,557/mo
Today · 4.125%
HK$99,044
baseline
▲ 0.50% · 4.625%
HK$104,265
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,088/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,599
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,977
−HK$3,432/mo
Today · 4.125%
HK$115,409
baseline
▲ 0.50% · 4.625%
HK$122,431
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,818/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,815
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,055
−HK$3,287/mo
Today · 4.125%
HK$127,342
baseline
▲ 0.50% · 4.625%
HK$134,054
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,684/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,494 · Scale 2, in force from 26 Feb 2026)