LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,127
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$61,997
−HK$1,901/mo
Today · 4.125%
HK$63,898
baseline
▲ 0.50% · 4.625%
HK$67,786
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,796/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,891
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,685
−HK$1,820/mo
Today · 4.125%
HK$70,505
baseline
▲ 0.50% · 4.625%
HK$74,221
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$141,010/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,153
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$2,280/mo
Today · 4.125%
HK$76,677
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,354/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,269
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,422
−HK$2,184/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,065
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,178
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,796
−HK$2,661/mo
Today · 4.125%
HK$89,457
baseline
▲ 0.50% · 4.625%
HK$94,900
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,914/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,647
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,159
−HK$2,548/mo
Today · 4.125%
HK$98,707
baseline
▲ 0.50% · 4.625%
HK$103,910
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,414/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,229
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,595
−HK$3,421/mo
Today · 4.125%
HK$115,016
baseline
▲ 0.50% · 4.625%
HK$122,014
+HK$6,998/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,032/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,404
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,633
−HK$3,276/mo
Today · 4.125%
HK$126,909
baseline
▲ 0.50% · 4.625%
HK$133,598
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,818/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,666 · Scale 2, in force from 26 Feb 2026)