LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,358
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,236
−HK$1,907/mo
Today · 4.125%
HK$64,143
baseline
▲ 0.50% · 4.625%
HK$68,046
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,286/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,148
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,949
−HK$1,827/mo
Today · 4.125%
HK$70,776
baseline
▲ 0.50% · 4.625%
HK$74,506
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,552/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,430
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,683
−HK$2,289/mo
Today · 4.125%
HK$76,972
baseline
▲ 0.50% · 4.625%
HK$81,655
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,944/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,578
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,739
−HK$2,192/mo
Today · 4.125%
HK$84,931
baseline
▲ 0.50% · 4.625%
HK$89,408
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,862/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,502
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,130
−HK$2,671/mo
Today · 4.125%
HK$89,801
baseline
▲ 0.50% · 4.625%
HK$95,265
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,602/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,007
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,528
−HK$2,558/mo
Today · 4.125%
HK$99,086
baseline
▲ 0.50% · 4.625%
HK$104,309
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,172/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,645
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,024
−HK$3,434/mo
Today · 4.125%
HK$115,458
baseline
▲ 0.50% · 4.625%
HK$122,483
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,916/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,866
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,108
−HK$3,288/mo
Today · 4.125%
HK$127,396
baseline
▲ 0.50% · 4.625%
HK$134,112
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,792/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,973 · Scale 2, in force from 26 Feb 2026)