LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,396
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,909/mo
Today · 4.125%
HK$64,183
baseline
▲ 0.50% · 4.625%
HK$68,088
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,366/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,189
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,991
−HK$1,828/mo
Today · 4.125%
HK$70,819
baseline
▲ 0.50% · 4.625%
HK$74,552
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,638/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,729
−HK$2,290/mo
Today · 4.125%
HK$77,019
baseline
▲ 0.50% · 4.625%
HK$81,706
+HK$4,687/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,038/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,627
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,790
−HK$2,193/mo
Today · 4.125%
HK$84,983
baseline
▲ 0.50% · 4.625%
HK$89,463
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,966/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,554
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,184
−HK$2,672/mo
Today · 4.125%
HK$89,856
baseline
▲ 0.50% · 4.625%
HK$95,324
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,712/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,065
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,588
−HK$2,559/mo
Today · 4.125%
HK$99,147
baseline
▲ 0.50% · 4.625%
HK$104,373
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,294/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,712
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,094
−HK$3,435/mo
Today · 4.125%
HK$115,529
baseline
▲ 0.50% · 4.625%
HK$122,559
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,058/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,941
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,185
−HK$3,290/mo
Today · 4.125%
HK$127,475
baseline
▲ 0.50% · 4.625%
HK$134,194
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,950/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,668 · Scale 2, in force from 26 Feb 2026)