LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,126
−HK$3,770/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$1,120,638 · 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$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,151
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,395
−HK$2,280/mo
Today · 4.125%
HK$76,675
baseline
▲ 0.50% · 4.625%
HK$81,341
+HK$4,666/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$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,267
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,420
−HK$2,184/mo
Today · 4.125%
HK$84,604
baseline
▲ 0.50% · 4.625%
HK$89,063
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,208/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,176
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,794
−HK$2,661/mo
Today · 4.125%
HK$89,455
baseline
▲ 0.50% · 4.625%
HK$94,898
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,910/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,645
−HK$5,059/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$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,226
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,593
−HK$3,420/mo
Today · 4.125%
HK$115,013
baseline
▲ 0.50% · 4.625%
HK$122,011
+HK$6,998/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,026/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,401
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,630
−HK$3,275/mo
Today · 4.125%
HK$126,905
baseline
▲ 0.50% · 4.625%
HK$133,595
+HK$6,690/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$1,120,638 · Scale 2, in force from 26 Feb 2026)