LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,360
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,237
−HK$1,908/mo
Today · 4.125%
HK$64,145
baseline
▲ 0.50% · 4.625%
HK$68,048
+HK$3,903/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,290/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,150
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,951
−HK$1,827/mo
Today · 4.125%
HK$70,778
baseline
▲ 0.50% · 4.625%
HK$74,508
+HK$3,730/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,556/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,432
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,685
−HK$2,289/mo
Today · 4.125%
HK$76,974
baseline
▲ 0.50% · 4.625%
HK$81,658
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,948/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,580
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,741
−HK$2,192/mo
Today · 4.125%
HK$84,933
baseline
▲ 0.50% · 4.625%
HK$89,410
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,866/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,504
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,132
−HK$2,671/mo
Today · 4.125%
HK$89,803
baseline
▲ 0.50% · 4.625%
HK$95,267
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,606/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,010
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,531
−HK$2,558/mo
Today · 4.125%
HK$99,089
baseline
▲ 0.50% · 4.625%
HK$104,312
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,178/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,648
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,027
−HK$3,434/mo
Today · 4.125%
HK$115,461
baseline
▲ 0.50% · 4.625%
HK$122,486
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,922/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,869
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,111
−HK$3,289/mo
Today · 4.125%
HK$127,400
baseline
▲ 0.50% · 4.625%
HK$134,115
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,800/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,002 · Scale 2, in force from 26 Feb 2026)