LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,116
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,986
−HK$1,899/mo
Today · 4.125%
HK$63,885
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,770/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,878
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,672
−HK$1,819/mo
Today · 4.125%
HK$70,491
baseline
▲ 0.50% · 4.625%
HK$74,207
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,982/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,139
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,383
−HK$2,280/mo
Today · 4.125%
HK$76,663
baseline
▲ 0.50% · 4.625%
HK$81,327
+HK$4,664/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,326/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,254
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,406
−HK$2,184/mo
Today · 4.125%
HK$84,590
baseline
▲ 0.50% · 4.625%
HK$89,048
+HK$4,458/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,180/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,162
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,660/mo
Today · 4.125%
HK$89,440
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,880/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,629
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,140
−HK$2,548/mo
Today · 4.125%
HK$98,688
baseline
▲ 0.50% · 4.625%
HK$103,890
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,376/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,208
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,574
−HK$3,420/mo
Today · 4.125%
HK$114,994
baseline
▲ 0.50% · 4.625%
HK$121,991
+HK$6,997/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,988/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,381
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,609
−HK$3,275/mo
Today · 4.125%
HK$126,884
baseline
▲ 0.50% · 4.625%
HK$133,573
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,768/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,451 · Scale 2, in force from 26 Feb 2026)