LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,108
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,977
−HK$1,900/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,764
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,869
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,662
−HK$1,820/mo
Today · 4.125%
HK$70,482
baseline
▲ 0.50% · 4.625%
HK$74,197
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,964/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,129
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,373
−HK$2,279/mo
Today · 4.125%
HK$76,652
baseline
▲ 0.50% · 4.625%
HK$81,316
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,304/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,243
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,183/mo
Today · 4.125%
HK$84,578
baseline
▲ 0.50% · 4.625%
HK$89,036
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,156/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,768
−HK$2,660/mo
Today · 4.125%
HK$89,428
baseline
▲ 0.50% · 4.625%
HK$94,869
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,856/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,617
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,127
−HK$2,547/mo
Today · 4.125%
HK$98,674
baseline
▲ 0.50% · 4.625%
HK$103,876
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,348/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,194
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,559
−HK$3,419/mo
Today · 4.125%
HK$114,978
baseline
▲ 0.50% · 4.625%
HK$121,974
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,956/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,364
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,592
−HK$3,275/mo
Today · 4.125%
HK$126,867
baseline
▲ 0.50% · 4.625%
HK$133,554
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,734/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,300 · Scale 2, in force from 26 Feb 2026)