LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,376
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,254
−HK$1,908/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$68,066
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,167
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,969
−HK$1,827/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$74,528
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,451
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,704
−HK$2,290/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,679
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,601
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,762
−HK$2,193/mo
Today · 4.125%
HK$84,955
baseline
▲ 0.50% · 4.625%
HK$89,434
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,910/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,526
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,155
−HK$2,671/mo
Today · 4.125%
HK$89,826
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,652/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,556
−HK$2,559/mo
Today · 4.125%
HK$99,115
baseline
▲ 0.50% · 4.625%
HK$104,339
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,230/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,676
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,057
−HK$3,434/mo
Today · 4.125%
HK$115,491
baseline
▲ 0.50% · 4.625%
HK$122,519
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,982/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,901
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,144
−HK$3,289/mo
Today · 4.125%
HK$127,433
baseline
▲ 0.50% · 4.625%
HK$134,150
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,866/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,298 · Scale 2, in force from 26 Feb 2026)