LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,119
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,989
−HK$1,899/mo
Today · 4.125%
HK$63,888
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,776/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,881
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,675
−HK$1,820/mo
Today · 4.125%
HK$70,495
baseline
▲ 0.50% · 4.625%
HK$74,210
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,990/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,142
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,386
−HK$2,280/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$81,331
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,410
−HK$2,184/mo
Today · 4.125%
HK$84,594
baseline
▲ 0.50% · 4.625%
HK$89,053
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,188/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,166
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,784
−HK$2,660/mo
Today · 4.125%
HK$89,444
baseline
▲ 0.50% · 4.625%
HK$94,886
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,888/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,634
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,145
−HK$2,547/mo
Today · 4.125%
HK$98,692
baseline
▲ 0.50% · 4.625%
HK$103,895
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,384/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,213
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,579
−HK$3,420/mo
Today · 4.125%
HK$114,999
baseline
▲ 0.50% · 4.625%
HK$121,997
+HK$6,998/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,998/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,386
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,615
−HK$3,275/mo
Today · 4.125%
HK$126,890
baseline
▲ 0.50% · 4.625%
HK$133,579
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,780/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,504 · Scale 2, in force from 26 Feb 2026)