LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,379
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,257
−HK$1,908/mo
Today · 4.125%
HK$64,165
baseline
▲ 0.50% · 4.625%
HK$68,069
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,330/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,170
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,972
−HK$1,828/mo
Today · 4.125%
HK$70,800
baseline
▲ 0.50% · 4.625%
HK$74,531
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,600/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,454
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,708
−HK$2,290/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,683
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,605
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,766
−HK$2,193/mo
Today · 4.125%
HK$84,959
baseline
▲ 0.50% · 4.625%
HK$89,438
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,918/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,530
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,159
−HK$2,672/mo
Today · 4.125%
HK$89,831
baseline
▲ 0.50% · 4.625%
HK$95,297
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$179,662/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,039
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,561
−HK$2,558/mo
Today · 4.125%
HK$99,119
baseline
▲ 0.50% · 4.625%
HK$104,344
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$198,238/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,681
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,062
−HK$3,435/mo
Today · 4.125%
HK$115,497
baseline
▲ 0.50% · 4.625%
HK$122,524
+HK$7,027/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,994/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,907
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,150
−HK$3,289/mo
Today · 4.125%
HK$127,439
baseline
▲ 0.50% · 4.625%
HK$134,157
+HK$6,718/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,878/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,351 · Scale 2, in force from 26 Feb 2026)