LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,398
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,277
−HK$1,909/mo
Today · 4.125%
HK$64,186
baseline
▲ 0.50% · 4.625%
HK$68,091
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,372/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,192
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,994
−HK$1,828/mo
Today · 4.125%
HK$70,822
baseline
▲ 0.50% · 4.625%
HK$74,556
+HK$3,734/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,644/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,478
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$2,291/mo
Today · 4.125%
HK$77,023
baseline
▲ 0.50% · 4.625%
HK$81,709
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,046/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,631
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,793
−HK$2,194/mo
Today · 4.125%
HK$84,987
baseline
▲ 0.50% · 4.625%
HK$89,467
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,974/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,557
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,188
−HK$2,672/mo
Today · 4.125%
HK$89,860
baseline
▲ 0.50% · 4.625%
HK$95,328
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,720/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,069
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,592
−HK$2,559/mo
Today · 4.125%
HK$99,151
baseline
▲ 0.50% · 4.625%
HK$104,378
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,302/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,717
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,098
−HK$3,436/mo
Today · 4.125%
HK$115,534
baseline
▲ 0.50% · 4.625%
HK$122,564
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,068/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,946
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,190
−HK$3,290/mo
Today · 4.125%
HK$127,480
baseline
▲ 0.50% · 4.625%
HK$134,200
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,960/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,716 · Scale 2, in force from 26 Feb 2026)