LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,347
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,224
−HK$1,907/mo
Today · 4.125%
HK$64,131
baseline
▲ 0.50% · 4.625%
HK$68,033
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,262/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,135
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,936
−HK$1,826/mo
Today · 4.125%
HK$70,762
baseline
▲ 0.50% · 4.625%
HK$74,492
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,524/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,416
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,668
−HK$2,289/mo
Today · 4.125%
HK$76,957
baseline
▲ 0.50% · 4.625%
HK$81,640
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,914/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,562
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,723
−HK$2,192/mo
Today · 4.125%
HK$84,915
baseline
▲ 0.50% · 4.625%
HK$89,390
+HK$4,475/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,830/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,485
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,113
−HK$2,670/mo
Today · 4.125%
HK$89,783
baseline
▲ 0.50% · 4.625%
HK$95,246
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,566/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,989
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,510
−HK$2,557/mo
Today · 4.125%
HK$99,067
baseline
▲ 0.50% · 4.625%
HK$104,289
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,134/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,624
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,003
−HK$3,433/mo
Today · 4.125%
HK$115,436
baseline
▲ 0.50% · 4.625%
HK$122,460
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,872/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,843
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,084
−HK$3,288/mo
Today · 4.125%
HK$127,372
baseline
▲ 0.50% · 4.625%
HK$134,086
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,744/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,756 · Scale 2, in force from 26 Feb 2026)