LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,369
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,907/mo
Today · 4.125%
HK$64,154
baseline
▲ 0.50% · 4.625%
HK$68,058
+HK$3,904/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$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,160
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,961
−HK$1,827/mo
Today · 4.125%
HK$70,788
baseline
▲ 0.50% · 4.625%
HK$74,519
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,576/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,442
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$2,289/mo
Today · 4.125%
HK$76,985
baseline
▲ 0.50% · 4.625%
HK$81,670
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,970/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,592
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,193/mo
Today · 4.125%
HK$84,946
baseline
▲ 0.50% · 4.625%
HK$89,423
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,892/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,516
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,145
−HK$2,671/mo
Today · 4.125%
HK$89,816
baseline
▲ 0.50% · 4.625%
HK$95,281
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,632/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,023
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,545
−HK$2,558/mo
Today · 4.125%
HK$99,103
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,206/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,664
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,044
−HK$3,434/mo
Today · 4.125%
HK$115,478
baseline
▲ 0.50% · 4.625%
HK$122,504
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,956/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,887
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,129
−HK$3,289/mo
Today · 4.125%
HK$127,418
baseline
▲ 0.50% · 4.625%
HK$134,135
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,836/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,168 · Scale 2, in force from 26 Feb 2026)