LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,354
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,907/mo
Today · 4.125%
HK$64,139
baseline
▲ 0.50% · 4.625%
HK$68,042
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,278/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,144
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,944
−HK$1,827/mo
Today · 4.125%
HK$70,771
baseline
▲ 0.50% · 4.625%
HK$74,502
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,542/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,425
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,678
−HK$2,289/mo
Today · 4.125%
HK$76,967
baseline
▲ 0.50% · 4.625%
HK$81,650
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,934/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,572
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,733
−HK$2,193/mo
Today · 4.125%
HK$84,926
baseline
▲ 0.50% · 4.625%
HK$89,402
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,852/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,496
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,670/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$95,259
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,522
−HK$2,558/mo
Today · 4.125%
HK$99,080
baseline
▲ 0.50% · 4.625%
HK$104,302
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,160/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,638
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,017
−HK$3,434/mo
Today · 4.125%
HK$115,451
baseline
▲ 0.50% · 4.625%
HK$122,475
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,902/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,859
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,100
−HK$3,288/mo
Today · 4.125%
HK$127,388
baseline
▲ 0.50% · 4.625%
HK$134,103
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,776/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,902 · Scale 2, in force from 26 Feb 2026)