LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,375
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,908/mo
Today · 4.125%
HK$64,161
baseline
▲ 0.50% · 4.625%
HK$68,065
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,322/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,166
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,968
−HK$1,827/mo
Today · 4.125%
HK$70,795
baseline
▲ 0.50% · 4.625%
HK$74,527
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,590/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,450
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,703
−HK$2,290/mo
Today · 4.125%
HK$76,993
baseline
▲ 0.50% · 4.625%
HK$81,678
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,986/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,600
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,761
−HK$2,193/mo
Today · 4.125%
HK$84,954
baseline
▲ 0.50% · 4.625%
HK$89,432
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,908/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,525
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,154
−HK$2,671/mo
Today · 4.125%
HK$89,825
baseline
▲ 0.50% · 4.625%
HK$95,291
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,650/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,033
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,555
−HK$2,558/mo
Today · 4.125%
HK$99,113
baseline
▲ 0.50% · 4.625%
HK$104,337
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,226/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,675
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,055
−HK$3,434/mo
Today · 4.125%
HK$115,489
baseline
▲ 0.50% · 4.625%
HK$122,517
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,978/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,899
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,142
−HK$3,289/mo
Today · 4.125%
HK$127,431
baseline
▲ 0.50% · 4.625%
HK$134,148
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,862/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,280 · Scale 2, in force from 26 Feb 2026)