LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,096
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,966
−HK$1,899/mo
Today · 4.125%
HK$63,865
baseline
▲ 0.50% · 4.625%
HK$67,751
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,730/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,856
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,649
−HK$1,819/mo
Today · 4.125%
HK$70,468
baseline
▲ 0.50% · 4.625%
HK$74,183
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,936/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,115
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,359
−HK$2,279/mo
Today · 4.125%
HK$76,638
baseline
▲ 0.50% · 4.625%
HK$81,301
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,276/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,228
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,379
−HK$2,183/mo
Today · 4.125%
HK$84,562
baseline
▲ 0.50% · 4.625%
HK$89,020
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,124/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,135
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,752
−HK$2,659/mo
Today · 4.125%
HK$89,411
baseline
▲ 0.50% · 4.625%
HK$94,851
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,822/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,599
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,109
−HK$2,547/mo
Today · 4.125%
HK$98,656
baseline
▲ 0.50% · 4.625%
HK$103,856
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,312/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,173
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,538
−HK$3,419/mo
Today · 4.125%
HK$114,957
baseline
▲ 0.50% · 4.625%
HK$121,951
+HK$6,994/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,914/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,342
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,569
−HK$3,274/mo
Today · 4.125%
HK$126,843
baseline
▲ 0.50% · 4.625%
HK$133,529
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,686/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,089 · Scale 2, in force from 26 Feb 2026)