LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,123
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,993
−HK$1,901/mo
Today · 4.125%
HK$63,894
baseline
▲ 0.50% · 4.625%
HK$67,781
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,788/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,887
−HK$3,613/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$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,148
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$2,280/mo
Today · 4.125%
HK$76,672
baseline
▲ 0.50% · 4.625%
HK$81,338
+HK$4,666/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$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,264
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,417
−HK$2,183/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,060
+HK$4,460/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$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,173
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,791
−HK$2,660/mo
Today · 4.125%
HK$89,451
baseline
▲ 0.50% · 4.625%
HK$94,894
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,902/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,641
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,153
−HK$2,547/mo
Today · 4.125%
HK$98,700
baseline
▲ 0.50% · 4.625%
HK$103,903
+HK$5,203/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$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,222
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,588
−HK$3,420/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$1,120,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,396
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,625
−HK$3,275/mo
Today · 4.125%
HK$126,900
baseline
▲ 0.50% · 4.625%
HK$133,590
+HK$6,690/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$1,120,594 · Scale 2, in force from 26 Feb 2026)