LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,368
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,908/mo
Today · 4.125%
HK$64,154
baseline
▲ 0.50% · 4.625%
HK$68,057
+HK$3,903/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,308/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,153 · 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$1,125,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,442
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,695
−HK$2,289/mo
Today · 4.125%
HK$76,984
baseline
▲ 0.50% · 4.625%
HK$81,669
+HK$4,685/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$1,125,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,590
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,752
−HK$2,193/mo
Today · 4.125%
HK$84,945
baseline
▲ 0.50% · 4.625%
HK$89,422
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,890/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,153 · 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$1,125,153 · 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$104,326
+HK$5,224/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$1,125,153 · 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$1,125,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,886
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,128
−HK$3,289/mo
Today · 4.125%
HK$127,417
baseline
▲ 0.50% · 4.625%
HK$134,133
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,834/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,153 · Scale 2, in force from 26 Feb 2026)