LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,368
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,907/mo
Today · 4.125%
HK$64,153
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,306/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,159
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,960
−HK$1,827/mo
Today · 4.125%
HK$70,787
baseline
▲ 0.50% · 4.625%
HK$74,518
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,574/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,441
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,695
−HK$2,289/mo
Today · 4.125%
HK$76,984
baseline
▲ 0.50% · 4.625%
HK$81,668
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,968/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,590
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,752
−HK$2,192/mo
Today · 4.125%
HK$84,944
baseline
▲ 0.50% · 4.625%
HK$89,422
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,888/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,515
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,144
−HK$2,671/mo
Today · 4.125%
HK$89,815
baseline
▲ 0.50% · 4.625%
HK$95,280
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,630/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,022
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,544
−HK$2,558/mo
Today · 4.125%
HK$99,102
baseline
▲ 0.50% · 4.625%
HK$104,325
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,204/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,662
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,042
−HK$3,434/mo
Today · 4.125%
HK$115,476
baseline
▲ 0.50% · 4.625%
HK$122,503
+HK$7,027/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,952/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,885
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,127
−HK$3,289/mo
Today · 4.125%
HK$127,416
baseline
▲ 0.50% · 4.625%
HK$134,133
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,832/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,151 · Scale 2, in force from 26 Feb 2026)