LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,348
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,907/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,136
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,937
−HK$1,826/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$74,493
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,417
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,670
−HK$2,288/mo
Today · 4.125%
HK$76,958
baseline
▲ 0.50% · 4.625%
HK$81,641
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,916/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,563
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,724
−HK$2,192/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$89,392
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,487
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,115
−HK$2,670/mo
Today · 4.125%
HK$89,785
baseline
▲ 0.50% · 4.625%
HK$95,248
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,570/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,991
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,511
−HK$2,558/mo
Today · 4.125%
HK$99,069
baseline
▲ 0.50% · 4.625%
HK$104,291
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,138/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,626
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$112,005
−HK$3,432/mo
Today · 4.125%
HK$115,437
baseline
▲ 0.50% · 4.625%
HK$122,462
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,874/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,845
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,086
−HK$3,288/mo
Today · 4.125%
HK$127,374
baseline
▲ 0.50% · 4.625%
HK$134,088
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,748/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,774 · Scale 2, in force from 26 Feb 2026)