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$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,130
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,931
−HK$1,826/mo
Today · 4.125%
HK$70,757
baseline
▲ 0.50% · 4.625%
HK$74,487
+HK$3,730/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$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,411
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$2,289/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,634
+HK$4,682/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,556
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,717
−HK$2,191/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$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,479
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,107
−HK$2,670/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$95,239
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,982
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,503
−HK$2,557/mo
Today · 4.125%
HK$99,060
baseline
▲ 0.50% · 4.625%
HK$104,281
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,120/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,616
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,995
−HK$3,432/mo
Today · 4.125%
HK$115,427
baseline
▲ 0.50% · 4.625%
HK$122,451
+HK$7,024/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$1,124,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,834
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,075
−HK$3,288/mo
Today · 4.125%
HK$127,363
baseline
▲ 0.50% · 4.625%
HK$134,076
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,726/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,675 · Scale 2, in force from 26 Feb 2026)