LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,350
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,227
−HK$1,907/mo
Today · 4.125%
HK$64,134
baseline
▲ 0.50% · 4.625%
HK$68,037
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,268/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,138
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,939
−HK$1,827/mo
Today · 4.125%
HK$70,766
baseline
▲ 0.50% · 4.625%
HK$74,496
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,532/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,420
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,672
−HK$2,289/mo
Today · 4.125%
HK$76,961
baseline
▲ 0.50% · 4.625%
HK$81,644
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,922/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,566
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,727
−HK$2,192/mo
Today · 4.125%
HK$84,919
baseline
▲ 0.50% · 4.625%
HK$89,395
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,838/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,490
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,118
−HK$2,670/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$95,251
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,994
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,515
−HK$2,557/mo
Today · 4.125%
HK$99,072
baseline
▲ 0.50% · 4.625%
HK$104,294
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,144/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,629
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,008
−HK$3,433/mo
Today · 4.125%
HK$115,441
baseline
▲ 0.50% · 4.625%
HK$122,466
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,882/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,849
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,090
−HK$3,288/mo
Today · 4.125%
HK$127,378
baseline
▲ 0.50% · 4.625%
HK$134,093
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,756/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,813 · Scale 2, in force from 26 Feb 2026)