LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,369
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,908/mo
Today · 4.125%
HK$64,155
baseline
▲ 0.50% · 4.625%
HK$68,059
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,310/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,160
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,961
−HK$1,828/mo
Today · 4.125%
HK$70,789
baseline
▲ 0.50% · 4.625%
HK$74,520
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,578/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,443
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$2,290/mo
Today · 4.125%
HK$76,986
baseline
▲ 0.50% · 4.625%
HK$81,670
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,972/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,592
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,754
−HK$2,192/mo
Today · 4.125%
HK$84,946
baseline
▲ 0.50% · 4.625%
HK$89,424
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,892/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,517
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,146
−HK$2,671/mo
Today · 4.125%
HK$89,817
baseline
▲ 0.50% · 4.625%
HK$95,282
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,634/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,024
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,546
−HK$2,558/mo
Today · 4.125%
HK$99,104
baseline
▲ 0.50% · 4.625%
HK$104,328
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,208/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,665
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,045
−HK$3,434/mo
Today · 4.125%
HK$115,479
baseline
▲ 0.50% · 4.625%
HK$122,505
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,958/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,888
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,130
−HK$3,289/mo
Today · 4.125%
HK$127,419
baseline
▲ 0.50% · 4.625%
HK$134,136
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,838/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,177 · Scale 2, in force from 26 Feb 2026)