LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,134
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,900/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,899
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$1,820/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,230
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,161
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$2,281/mo
Today · 4.125%
HK$76,687
baseline
▲ 0.50% · 4.625%
HK$81,353
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,374/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,279
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,432
−HK$2,184/mo
Today · 4.125%
HK$84,616
baseline
▲ 0.50% · 4.625%
HK$89,076
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,232/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,188
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,807
−HK$2,661/mo
Today · 4.125%
HK$89,468
baseline
▲ 0.50% · 4.625%
HK$94,911
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,936/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,659
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,170
−HK$2,549/mo
Today · 4.125%
HK$98,719
baseline
▲ 0.50% · 4.625%
HK$103,922
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,438/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,242
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,609
−HK$3,421/mo
Today · 4.125%
HK$115,030
baseline
▲ 0.50% · 4.625%
HK$122,029
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,060/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,418
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,648
−HK$3,276/mo
Today · 4.125%
HK$126,924
baseline
▲ 0.50% · 4.625%
HK$133,614
+HK$6,690/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,848/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,802 · Scale 2, in force from 26 Feb 2026)