LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,402
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,281
−HK$1,909/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$68,096
+HK$3,906/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,197
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$1,828/mo
Today · 4.125%
HK$70,827
baseline
▲ 0.50% · 4.625%
HK$74,561
+HK$3,734/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,654/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,482
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,737
−HK$2,291/mo
Today · 4.125%
HK$77,028
baseline
▲ 0.50% · 4.625%
HK$81,715
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,056/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,636
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,799
−HK$2,194/mo
Today · 4.125%
HK$84,993
baseline
▲ 0.50% · 4.625%
HK$89,473
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$169,986/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,563
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,193
−HK$2,673/mo
Today · 4.125%
HK$89,866
baseline
▲ 0.50% · 4.625%
HK$95,334
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,732/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,075
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,598
−HK$2,560/mo
Today · 4.125%
HK$99,158
baseline
▲ 0.50% · 4.625%
HK$104,385
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,316/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,724
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,106
−HK$3,436/mo
Today · 4.125%
HK$115,542
baseline
▲ 0.50% · 4.625%
HK$122,572
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,084/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,954
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,198
−HK$3,291/mo
Today · 4.125%
HK$127,489
baseline
▲ 0.50% · 4.625%
HK$134,209
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,978/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,789 · Scale 2, in force from 26 Feb 2026)