LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,355
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,907/mo
Today · 4.125%
HK$64,140
baseline
▲ 0.50% · 4.625%
HK$68,043
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,280/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,145
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,945
−HK$1,827/mo
Today · 4.125%
HK$70,772
baseline
▲ 0.50% · 4.625%
HK$74,503
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,544/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,679
−HK$2,289/mo
Today · 4.125%
HK$76,968
baseline
▲ 0.50% · 4.625%
HK$81,651
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,936/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,574
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,735
−HK$2,192/mo
Today · 4.125%
HK$84,927
baseline
▲ 0.50% · 4.625%
HK$89,403
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,854/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,497
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,126
−HK$2,670/mo
Today · 4.125%
HK$89,796
baseline
▲ 0.50% · 4.625%
HK$95,260
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,592/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,003
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,524
−HK$2,557/mo
Today · 4.125%
HK$99,081
baseline
▲ 0.50% · 4.625%
HK$104,304
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,162/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,640
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,019
−HK$3,433/mo
Today · 4.125%
HK$115,452
baseline
▲ 0.50% · 4.625%
HK$122,477
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,904/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,860
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,102
−HK$3,288/mo
Today · 4.125%
HK$127,390
baseline
▲ 0.50% · 4.625%
HK$134,105
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,780/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,918 · Scale 2, in force from 26 Feb 2026)