LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,125
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,996
−HK$1,900/mo
Today · 4.125%
HK$63,896
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,792/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,889
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,683
−HK$1,820/mo
Today · 4.125%
HK$70,503
baseline
▲ 0.50% · 4.625%
HK$74,219
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$141,006/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,150
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,395
−HK$2,280/mo
Today · 4.125%
HK$76,675
baseline
▲ 0.50% · 4.625%
HK$81,340
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,350/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,267
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,419
−HK$2,184/mo
Today · 4.125%
HK$84,603
baseline
▲ 0.50% · 4.625%
HK$89,063
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,206/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,176
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,794
−HK$2,660/mo
Today · 4.125%
HK$89,454
baseline
▲ 0.50% · 4.625%
HK$94,897
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,908/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,644
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,156
−HK$2,548/mo
Today · 4.125%
HK$98,704
baseline
▲ 0.50% · 4.625%
HK$103,907
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,408/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,226
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,592
−HK$3,420/mo
Today · 4.125%
HK$115,012
baseline
▲ 0.50% · 4.625%
HK$122,011
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,024/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,400
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,629
−HK$3,276/mo
Today · 4.125%
HK$126,905
baseline
▲ 0.50% · 4.625%
HK$133,594
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,810/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,633 · Scale 2, in force from 26 Feb 2026)