LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,600
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,485
−HK$1,915/mo
Today · 4.125%
HK$64,400
baseline
▲ 0.50% · 4.625%
HK$68,319
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,800/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,417
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,225
−HK$1,835/mo
Today · 4.125%
HK$71,060
baseline
▲ 0.50% · 4.625%
HK$74,805
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,120/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,720
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,982
−HK$2,299/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,901
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,070
−HK$2,201/mo
Today · 4.125%
HK$85,271
baseline
▲ 0.50% · 4.625%
HK$89,766
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,542/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,840
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,479
−HK$2,682/mo
Today · 4.125%
HK$90,161
baseline
▲ 0.50% · 4.625%
HK$95,647
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,322/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,384
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,915
−HK$2,568/mo
Today · 4.125%
HK$99,483
baseline
▲ 0.50% · 4.625%
HK$104,727
+HK$5,244/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,966/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,081
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,474
−HK$3,447/mo
Today · 4.125%
HK$115,921
baseline
▲ 0.50% · 4.625%
HK$122,974
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,842/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,351
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,606
−HK$3,301/mo
Today · 4.125%
HK$127,907
baseline
▲ 0.50% · 4.625%
HK$134,649
+HK$6,742/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,814/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,484 · Scale 2, in force from 26 Feb 2026)