LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,356
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,908/mo
Today · 4.125%
HK$64,141
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,282/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,145
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,946
−HK$1,827/mo
Today · 4.125%
HK$70,773
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,546/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,427
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,680
−HK$2,289/mo
Today · 4.125%
HK$76,969
baseline
▲ 0.50% · 4.625%
HK$81,652
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,938/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,575
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,736
−HK$2,192/mo
Today · 4.125%
HK$84,928
baseline
▲ 0.50% · 4.625%
HK$89,404
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,856/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,498
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,127
−HK$2,670/mo
Today · 4.125%
HK$89,797
baseline
▲ 0.50% · 4.625%
HK$95,261
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,594/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,004
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,525
−HK$2,557/mo
Today · 4.125%
HK$99,082
baseline
▲ 0.50% · 4.625%
HK$104,305
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,164/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,641
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,020
−HK$3,434/mo
Today · 4.125%
HK$115,454
baseline
▲ 0.50% · 4.625%
HK$122,479
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,908/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,862
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,103
−HK$3,289/mo
Today · 4.125%
HK$127,392
baseline
▲ 0.50% · 4.625%
HK$134,107
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,784/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,932 · Scale 2, in force from 26 Feb 2026)