LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,334
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,211
−HK$1,907/mo
Today · 4.125%
HK$64,118
baseline
▲ 0.50% · 4.625%
HK$68,019
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,236/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,121
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,922
−HK$1,826/mo
Today · 4.125%
HK$70,748
baseline
▲ 0.50% · 4.625%
HK$74,477
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,496/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,401
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,653
−HK$2,288/mo
Today · 4.125%
HK$76,941
baseline
▲ 0.50% · 4.625%
HK$81,623
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,882/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,546
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,706
−HK$2,191/mo
Today · 4.125%
HK$84,897
baseline
▲ 0.50% · 4.625%
HK$89,372
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,794/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,468
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,096
−HK$2,669/mo
Today · 4.125%
HK$89,765
baseline
▲ 0.50% · 4.625%
HK$95,227
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,530/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,970
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,490
−HK$2,557/mo
Today · 4.125%
HK$99,047
baseline
▲ 0.50% · 4.625%
HK$104,268
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,094/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,602
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,980
−HK$3,432/mo
Today · 4.125%
HK$115,412
baseline
▲ 0.50% · 4.625%
HK$122,435
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,824/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,819
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,059
−HK$3,287/mo
Today · 4.125%
HK$127,346
baseline
▲ 0.50% · 4.625%
HK$134,059
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,692/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,528 · Scale 2, in force from 26 Feb 2026)