LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,093
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,963
−HK$1,899/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,748
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,724/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,853
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,646
−HK$1,819/mo
Today · 4.125%
HK$70,465
baseline
▲ 0.50% · 4.625%
HK$74,179
+HK$3,714/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,930/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,112
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,355
−HK$2,279/mo
Today · 4.125%
HK$76,634
baseline
▲ 0.50% · 4.625%
HK$81,297
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,268/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,224
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,375
−HK$2,183/mo
Today · 4.125%
HK$84,558
baseline
▲ 0.50% · 4.625%
HK$89,015
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,116/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,131
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,748
−HK$2,658/mo
Today · 4.125%
HK$89,406
baseline
▲ 0.50% · 4.625%
HK$94,847
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,812/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,595
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,105
−HK$2,546/mo
Today · 4.125%
HK$98,651
baseline
▲ 0.50% · 4.625%
HK$103,851
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,302/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,168
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,533
−HK$3,418/mo
Today · 4.125%
HK$114,951
baseline
▲ 0.50% · 4.625%
HK$121,946
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,902/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,336
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,563
−HK$3,274/mo
Today · 4.125%
HK$126,837
baseline
▲ 0.50% · 4.625%
HK$133,523
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,674/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,036 · Scale 2, in force from 26 Feb 2026)