LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,384
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,263
−HK$1,908/mo
Today · 4.125%
HK$64,171
baseline
▲ 0.50% · 4.625%
HK$68,076
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,342/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,177
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,979
−HK$1,827/mo
Today · 4.125%
HK$70,806
baseline
▲ 0.50% · 4.625%
HK$74,539
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,612/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,461
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$2,290/mo
Today · 4.125%
HK$77,005
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,010/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,612
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,774
−HK$2,194/mo
Today · 4.125%
HK$84,968
baseline
▲ 0.50% · 4.625%
HK$89,446
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,936/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,538
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,168
−HK$2,671/mo
Today · 4.125%
HK$89,839
baseline
▲ 0.50% · 4.625%
HK$95,306
+HK$5,467/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$179,678/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,048
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,570
−HK$2,559/mo
Today · 4.125%
HK$99,129
baseline
▲ 0.50% · 4.625%
HK$104,354
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$198,258/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,692
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,073
−HK$3,435/mo
Today · 4.125%
HK$115,508
baseline
▲ 0.50% · 4.625%
HK$122,536
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$231,016/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,919
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,162
−HK$3,290/mo
Today · 4.125%
HK$127,452
baseline
▲ 0.50% · 4.625%
HK$134,170
+HK$6,718/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,904/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,461 · Scale 2, in force from 26 Feb 2026)