LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,091
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,899/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,745
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,851
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,644
−HK$1,818/mo
Today · 4.125%
HK$70,462
baseline
▲ 0.50% · 4.625%
HK$74,177
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,924/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,109
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,352
−HK$2,279/mo
Today · 4.125%
HK$76,631
baseline
▲ 0.50% · 4.625%
HK$81,294
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,262/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,221
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,372
−HK$2,183/mo
Today · 4.125%
HK$84,555
baseline
▲ 0.50% · 4.625%
HK$89,012
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,110/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,127
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,744
−HK$2,659/mo
Today · 4.125%
HK$89,403
baseline
▲ 0.50% · 4.625%
HK$94,843
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,806/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,591
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,101
−HK$2,546/mo
Today · 4.125%
HK$98,647
baseline
▲ 0.50% · 4.625%
HK$103,847
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,294/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,164
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,528
−HK$3,419/mo
Today · 4.125%
HK$114,947
baseline
▲ 0.50% · 4.625%
HK$121,941
+HK$6,994/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,894/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,331
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,558
−HK$3,274/mo
Today · 4.125%
HK$126,832
baseline
▲ 0.50% · 4.625%
HK$133,518
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,664/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,119,992 · Scale 2, in force from 26 Feb 2026)