LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,393
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,271
−HK$1,909/mo
Today · 4.125%
HK$64,180
baseline
▲ 0.50% · 4.625%
HK$68,085
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,360/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,186
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,988
−HK$1,828/mo
Today · 4.125%
HK$70,816
baseline
▲ 0.50% · 4.625%
HK$74,549
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,632/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,471
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,725
−HK$2,291/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,702
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,623
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,786
−HK$2,193/mo
Today · 4.125%
HK$84,979
baseline
▲ 0.50% · 4.625%
HK$89,459
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,958/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,550
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,180
−HK$2,672/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$95,319
+HK$5,467/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,061
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,559/mo
Today · 4.125%
HK$99,142
baseline
▲ 0.50% · 4.625%
HK$104,368
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,284/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,707
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,088
−HK$3,435/mo
Today · 4.125%
HK$115,523
baseline
▲ 0.50% · 4.625%
HK$122,553
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,046/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,935
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,178
−HK$3,291/mo
Today · 4.125%
HK$127,469
baseline
▲ 0.50% · 4.625%
HK$134,188
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,938/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,612 · Scale 2, in force from 26 Feb 2026)