LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,132
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,900/mo
Today · 4.125%
HK$63,903
baseline
▲ 0.50% · 4.625%
HK$67,792
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,806/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,897
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,691
−HK$1,820/mo
Today · 4.125%
HK$70,511
baseline
▲ 0.50% · 4.625%
HK$74,228
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,022/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,159
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$2,281/mo
Today · 4.125%
HK$76,684
baseline
▲ 0.50% · 4.625%
HK$81,350
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,368/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,276
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,429
−HK$2,184/mo
Today · 4.125%
HK$84,613
baseline
▲ 0.50% · 4.625%
HK$89,073
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,226/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,185
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,804
−HK$2,660/mo
Today · 4.125%
HK$89,464
baseline
▲ 0.50% · 4.625%
HK$94,908
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,928/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,655
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,167
−HK$2,548/mo
Today · 4.125%
HK$98,715
baseline
▲ 0.50% · 4.625%
HK$103,919
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,430/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,238
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,605
−HK$3,421/mo
Today · 4.125%
HK$115,026
baseline
▲ 0.50% · 4.625%
HK$122,025
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,052/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,414
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,643
−HK$3,277/mo
Today · 4.125%
HK$126,920
baseline
▲ 0.50% · 4.625%
HK$133,610
+HK$6,690/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,840/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,762 · Scale 2, in force from 26 Feb 2026)