LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,367
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,244
−HK$1,908/mo
Today · 4.125%
HK$64,152
baseline
▲ 0.50% · 4.625%
HK$68,056
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,304/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,157
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,958
−HK$1,828/mo
Today · 4.125%
HK$70,786
baseline
▲ 0.50% · 4.625%
HK$74,517
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,572/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,440
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,693
−HK$2,290/mo
Today · 4.125%
HK$76,983
baseline
▲ 0.50% · 4.625%
HK$81,667
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,966/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,589
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,750
−HK$2,193/mo
Today · 4.125%
HK$84,943
baseline
▲ 0.50% · 4.625%
HK$89,420
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,886/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,513
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,142
−HK$2,671/mo
Today · 4.125%
HK$89,813
baseline
▲ 0.50% · 4.625%
HK$95,278
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,626/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,020
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,542
−HK$2,558/mo
Today · 4.125%
HK$99,100
baseline
▲ 0.50% · 4.625%
HK$104,324
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,200/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,660
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,040
−HK$3,434/mo
Today · 4.125%
HK$115,474
baseline
▲ 0.50% · 4.625%
HK$122,500
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,948/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,883
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,125
−HK$3,289/mo
Today · 4.125%
HK$127,414
baseline
▲ 0.50% · 4.625%
HK$134,130
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,828/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,130 · Scale 2, in force from 26 Feb 2026)