LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,125
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,900/mo
Today · 4.125%
HK$63,895
baseline
▲ 0.50% · 4.625%
HK$67,783
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,790/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,888
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,682
−HK$1,820/mo
Today · 4.125%
HK$70,502
baseline
▲ 0.50% · 4.625%
HK$74,218
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$141,004/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,150
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,394
−HK$2,280/mo
Today · 4.125%
HK$76,674
baseline
▲ 0.50% · 4.625%
HK$81,340
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,348/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,266
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,419
−HK$2,183/mo
Today · 4.125%
HK$84,602
baseline
▲ 0.50% · 4.625%
HK$89,062
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,204/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,175
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,793
−HK$2,660/mo
Today · 4.125%
HK$89,453
baseline
▲ 0.50% · 4.625%
HK$94,896
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,906/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,644
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,155
−HK$2,548/mo
Today · 4.125%
HK$98,703
baseline
▲ 0.50% · 4.625%
HK$103,906
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,406/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,225
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,591
−HK$3,420/mo
Today · 4.125%
HK$115,011
baseline
▲ 0.50% · 4.625%
HK$122,010
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,022/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,399
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,628
−HK$3,276/mo
Today · 4.125%
HK$126,904
baseline
▲ 0.50% · 4.625%
HK$133,593
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,808/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,622 · Scale 2, in force from 26 Feb 2026)