LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,395
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,273
−HK$1,909/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,188
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,990
−HK$1,828/mo
Today · 4.125%
HK$70,818
baseline
▲ 0.50% · 4.625%
HK$74,551
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,636/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,473
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,728
−HK$2,290/mo
Today · 4.125%
HK$77,018
baseline
▲ 0.50% · 4.625%
HK$81,705
+HK$4,687/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,036/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,626
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,788
−HK$2,194/mo
Today · 4.125%
HK$84,982
baseline
▲ 0.50% · 4.625%
HK$89,461
+HK$4,479/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,964/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,552
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,182
−HK$2,673/mo
Today · 4.125%
HK$89,855
baseline
▲ 0.50% · 4.625%
HK$95,322
+HK$5,467/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,710/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,064
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,586
−HK$2,560/mo
Today · 4.125%
HK$99,146
baseline
▲ 0.50% · 4.625%
HK$104,372
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,292/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,710
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,092
−HK$3,435/mo
Today · 4.125%
HK$115,527
baseline
▲ 0.50% · 4.625%
HK$122,557
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,054/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,939
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,182
−HK$3,291/mo
Today · 4.125%
HK$127,473
baseline
▲ 0.50% · 4.625%
HK$134,192
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,946/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,649 · Scale 2, in force from 26 Feb 2026)