LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,351
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,907/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,140
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,941
−HK$1,827/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$74,498
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,674
−HK$2,289/mo
Today · 4.125%
HK$76,963
baseline
▲ 0.50% · 4.625%
HK$81,646
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,926/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,568
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,729
−HK$2,192/mo
Today · 4.125%
HK$84,921
baseline
▲ 0.50% · 4.625%
HK$89,397
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,842/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,492
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,120
−HK$2,670/mo
Today · 4.125%
HK$89,790
baseline
▲ 0.50% · 4.625%
HK$95,254
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,580/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,996
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,558/mo
Today · 4.125%
HK$99,075
baseline
▲ 0.50% · 4.625%
HK$104,297
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,150/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,632
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,011
−HK$3,433/mo
Today · 4.125%
HK$115,444
baseline
▲ 0.50% · 4.625%
HK$122,469
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,888/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,852
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,093
−HK$3,289/mo
Today · 4.125%
HK$127,382
baseline
▲ 0.50% · 4.625%
HK$134,096
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,764/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,842 · Scale 2, in force from 26 Feb 2026)