LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,123
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,993
−HK$1,900/mo
Today · 4.125%
HK$63,893
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,786/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,886
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,680
−HK$1,820/mo
Today · 4.125%
HK$70,500
baseline
▲ 0.50% · 4.625%
HK$74,216
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$141,000/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,147
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$2,280/mo
Today · 4.125%
HK$76,672
baseline
▲ 0.50% · 4.625%
HK$81,337
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,344/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,263
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,416
−HK$2,184/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,059
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,200/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,172
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,790
−HK$2,660/mo
Today · 4.125%
HK$89,450
baseline
▲ 0.50% · 4.625%
HK$94,893
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,900/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,641
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,152
−HK$2,548/mo
Today · 4.125%
HK$98,700
baseline
▲ 0.50% · 4.625%
HK$103,902
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,400/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,221
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,587
−HK$3,421/mo
Today · 4.125%
HK$115,008
baseline
▲ 0.50% · 4.625%
HK$122,006
+HK$6,998/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,016/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,395
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,624
−HK$3,276/mo
Today · 4.125%
HK$126,900
baseline
▲ 0.50% · 4.625%
HK$133,589
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,800/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,586 · Scale 2, in force from 26 Feb 2026)