LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,107
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,976
−HK$1,900/mo
Today · 4.125%
HK$63,876
baseline
▲ 0.50% · 4.625%
HK$67,763
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,752/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,868
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,661
−HK$1,820/mo
Today · 4.125%
HK$70,481
baseline
▲ 0.50% · 4.625%
HK$74,196
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,962/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,128
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,372
−HK$2,279/mo
Today · 4.125%
HK$76,651
baseline
▲ 0.50% · 4.625%
HK$81,315
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,302/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,242
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,183/mo
Today · 4.125%
HK$84,577
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,154/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,149
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,767
−HK$2,659/mo
Today · 4.125%
HK$89,426
baseline
▲ 0.50% · 4.625%
HK$94,868
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,852/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,615
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,126
−HK$2,547/mo
Today · 4.125%
HK$98,673
baseline
▲ 0.50% · 4.625%
HK$103,874
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,346/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,192
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,557
−HK$3,420/mo
Today · 4.125%
HK$114,977
baseline
▲ 0.50% · 4.625%
HK$121,973
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,954/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,363
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,591
−HK$3,274/mo
Today · 4.125%
HK$126,865
baseline
▲ 0.50% · 4.625%
HK$133,553
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,730/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,284 · Scale 2, in force from 26 Feb 2026)