LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,349
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,226
−HK$1,907/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$68,035
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,266/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,137
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,938
−HK$1,826/mo
Today · 4.125%
HK$70,764
baseline
▲ 0.50% · 4.625%
HK$74,495
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,528/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,671
−HK$2,289/mo
Today · 4.125%
HK$76,960
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,682/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,920/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,565
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,725
−HK$2,192/mo
Today · 4.125%
HK$84,917
baseline
▲ 0.50% · 4.625%
HK$89,393
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,834/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,488
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,670/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$95,249
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,513
−HK$2,557/mo
Today · 4.125%
HK$99,070
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,140/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,627
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,006
−HK$3,433/mo
Today · 4.125%
HK$115,439
baseline
▲ 0.50% · 4.625%
HK$122,464
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,878/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,847
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,088
−HK$3,288/mo
Today · 4.125%
HK$127,376
baseline
▲ 0.50% · 4.625%
HK$134,090
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,752/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,793 · Scale 2, in force from 26 Feb 2026)