LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,134
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$62,004
−HK$1,900/mo
Today · 4.125%
HK$63,904
baseline
▲ 0.50% · 4.625%
HK$67,793
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,808/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,898
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,692
−HK$1,820/mo
Today · 4.125%
HK$70,512
baseline
▲ 0.50% · 4.625%
HK$74,229
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,024/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,160
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,405
−HK$2,280/mo
Today · 4.125%
HK$76,685
baseline
▲ 0.50% · 4.625%
HK$81,351
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,370/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,278
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,431
−HK$2,184/mo
Today · 4.125%
HK$84,615
baseline
▲ 0.50% · 4.625%
HK$89,075
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,230/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,187
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,806
−HK$2,660/mo
Today · 4.125%
HK$89,466
baseline
▲ 0.50% · 4.625%
HK$94,910
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,932/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,657
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,169
−HK$2,548/mo
Today · 4.125%
HK$98,717
baseline
▲ 0.50% · 4.625%
HK$103,921
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,434/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,240
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,607
−HK$3,421/mo
Today · 4.125%
HK$115,028
baseline
▲ 0.50% · 4.625%
HK$122,027
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,056/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,416
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,646
−HK$3,276/mo
Today · 4.125%
HK$126,922
baseline
▲ 0.50% · 4.625%
HK$133,612
+HK$6,690/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,844/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,785 · Scale 2, in force from 26 Feb 2026)