LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,362
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,907/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$1,125,043 · 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$1,125,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,434
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,688
−HK$2,289/mo
Today · 4.125%
HK$76,977
baseline
▲ 0.50% · 4.625%
HK$81,661
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,954/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,583
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,744
−HK$2,192/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$1,125,043 · 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$95,271
+HK$5,465/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$1,125,043 · 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$1,125,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,652
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,031
−HK$3,434/mo
Today · 4.125%
HK$115,465
baseline
▲ 0.50% · 4.625%
HK$122,491
+HK$7,026/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$1,125,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,874
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,116
−HK$3,288/mo
Today · 4.125%
HK$127,404
baseline
▲ 0.50% · 4.625%
HK$134,120
+HK$6,716/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$1,125,043 · Scale 2, in force from 26 Feb 2026)