LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,362
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,239
−HK$1,908/mo
Today · 4.125%
HK$64,147
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,903/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,294/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,152
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,953
−HK$1,827/mo
Today · 4.125%
HK$70,780
baseline
▲ 0.50% · 4.625%
HK$74,511
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,560/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,434
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,687
−HK$2,289/mo
Today · 4.125%
HK$76,976
baseline
▲ 0.50% · 4.625%
HK$81,660
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,952/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,582
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,743
−HK$2,193/mo
Today · 4.125%
HK$84,936
baseline
▲ 0.50% · 4.625%
HK$89,413
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,872/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,507
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,135
−HK$2,671/mo
Today · 4.125%
HK$89,806
baseline
▲ 0.50% · 4.625%
HK$95,270
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,612/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,013
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,534
−HK$2,558/mo
Today · 4.125%
HK$99,092
baseline
▲ 0.50% · 4.625%
HK$104,315
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,184/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,651
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,031
−HK$3,434/mo
Today · 4.125%
HK$115,465
baseline
▲ 0.50% · 4.625%
HK$122,490
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,930/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,873
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,115
−HK$3,289/mo
Today · 4.125%
HK$127,404
baseline
▲ 0.50% · 4.625%
HK$134,119
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,808/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,039 · Scale 2, in force from 26 Feb 2026)