LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,105
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,900/mo
Today · 4.125%
HK$63,874
baseline
▲ 0.50% · 4.625%
HK$67,760
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,748/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,866
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,659
−HK$1,819/mo
Today · 4.125%
HK$70,478
baseline
▲ 0.50% · 4.625%
HK$74,193
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,956/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,126
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,369
−HK$2,279/mo
Today · 4.125%
HK$76,648
baseline
▲ 0.50% · 4.625%
HK$81,312
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,296/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,239
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,391
−HK$2,183/mo
Today · 4.125%
HK$84,574
baseline
▲ 0.50% · 4.625%
HK$89,032
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,148/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,146
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,764
−HK$2,659/mo
Today · 4.125%
HK$89,423
baseline
▲ 0.50% · 4.625%
HK$94,864
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,846/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,612
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,123
−HK$2,547/mo
Today · 4.125%
HK$98,670
baseline
▲ 0.50% · 4.625%
HK$103,871
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,340/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,188
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,554
−HK$3,419/mo
Today · 4.125%
HK$114,973
baseline
▲ 0.50% · 4.625%
HK$121,968
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,946/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,358
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,586
−HK$3,275/mo
Today · 4.125%
HK$126,861
baseline
▲ 0.50% · 4.625%
HK$133,548
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,722/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,246 · Scale 2, in force from 26 Feb 2026)