LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,342
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,907/mo
Today · 4.125%
HK$64,126
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,252/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,930
−HK$1,827/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$74,486
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,514/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,410
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$2,288/mo
Today · 4.125%
HK$76,951
baseline
▲ 0.50% · 4.625%
HK$81,634
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,902/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,556
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,716
−HK$2,192/mo
Today · 4.125%
HK$84,908
baseline
▲ 0.50% · 4.625%
HK$89,384
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,816/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,479
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,107
−HK$2,669/mo
Today · 4.125%
HK$89,776
baseline
▲ 0.50% · 4.625%
HK$95,239
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,552/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,982
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,502
−HK$2,557/mo
Today · 4.125%
HK$99,059
baseline
▲ 0.50% · 4.625%
HK$104,281
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,118/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,616
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,994
−HK$3,433/mo
Today · 4.125%
HK$115,427
baseline
▲ 0.50% · 4.625%
HK$122,450
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,854/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,834
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,075
−HK$3,287/mo
Today · 4.125%
HK$127,362
baseline
▲ 0.50% · 4.625%
HK$134,076
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,724/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,671 · Scale 2, in force from 26 Feb 2026)