LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,111
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,981
−HK$1,899/mo
Today · 4.125%
HK$63,880
baseline
▲ 0.50% · 4.625%
HK$67,767
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,760/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,873
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,666
−HK$1,820/mo
Today · 4.125%
HK$70,486
baseline
▲ 0.50% · 4.625%
HK$74,201
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,972/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,377
−HK$2,279/mo
Today · 4.125%
HK$76,656
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,665/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,312/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,247
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,399
−HK$2,184/mo
Today · 4.125%
HK$84,583
baseline
▲ 0.50% · 4.625%
HK$89,041
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,166/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,155
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,773
−HK$2,659/mo
Today · 4.125%
HK$89,432
baseline
▲ 0.50% · 4.625%
HK$94,874
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,864/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,622
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,133
−HK$2,547/mo
Today · 4.125%
HK$98,680
baseline
▲ 0.50% · 4.625%
HK$103,881
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,360/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,200
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,565
−HK$3,420/mo
Today · 4.125%
HK$114,985
baseline
▲ 0.50% · 4.625%
HK$121,981
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,970/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,371
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,599
−HK$3,275/mo
Today · 4.125%
HK$126,874
baseline
▲ 0.50% · 4.625%
HK$133,562
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,748/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,362 · Scale 2, in force from 26 Feb 2026)