LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,352
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,230
−HK$1,907/mo
Today · 4.125%
HK$64,137
baseline
▲ 0.50% · 4.625%
HK$68,040
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,274/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,141
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,942
−HK$1,827/mo
Today · 4.125%
HK$70,769
baseline
▲ 0.50% · 4.625%
HK$74,499
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,538/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,423
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,676
−HK$2,288/mo
Today · 4.125%
HK$76,964
baseline
▲ 0.50% · 4.625%
HK$81,648
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,928/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,570
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,731
−HK$2,192/mo
Today · 4.125%
HK$84,923
baseline
▲ 0.50% · 4.625%
HK$89,399
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,846/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,493
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,122
−HK$2,670/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$95,255
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,519
−HK$2,557/mo
Today · 4.125%
HK$99,076
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,152/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,634
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,014
−HK$3,433/mo
Today · 4.125%
HK$115,447
baseline
▲ 0.50% · 4.625%
HK$122,471
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,894/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,855
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,096
−HK$3,288/mo
Today · 4.125%
HK$127,384
baseline
▲ 0.50% · 4.625%
HK$134,099
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,768/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,864 · Scale 2, in force from 26 Feb 2026)