LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,343
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,220
−HK$1,907/mo
Today · 4.125%
HK$64,127
baseline
▲ 0.50% · 4.625%
HK$68,029
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,254/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,131
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,932
−HK$1,826/mo
Today · 4.125%
HK$70,758
baseline
▲ 0.50% · 4.625%
HK$74,488
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,516/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,412
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,664
−HK$2,289/mo
Today · 4.125%
HK$76,953
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,682/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,906/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,558
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,718
−HK$2,192/mo
Today · 4.125%
HK$84,910
baseline
▲ 0.50% · 4.625%
HK$89,386
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,820/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,481
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,109
−HK$2,669/mo
Today · 4.125%
HK$89,778
baseline
▲ 0.50% · 4.625%
HK$95,241
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,556/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,984
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,505
−HK$2,557/mo
Today · 4.125%
HK$99,062
baseline
▲ 0.50% · 4.625%
HK$104,283
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,124/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,618
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,997
−HK$3,432/mo
Today · 4.125%
HK$115,429
baseline
▲ 0.50% · 4.625%
HK$122,453
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,858/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,836
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,077
−HK$3,288/mo
Today · 4.125%
HK$127,365
baseline
▲ 0.50% · 4.625%
HK$134,078
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,730/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,695 · Scale 2, in force from 26 Feb 2026)