LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,135
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,006
−HK$1,900/mo
Today · 4.125%
HK$63,906
baseline
▲ 0.50% · 4.625%
HK$67,795
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,812/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,900
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,694
−HK$1,820/mo
Today · 4.125%
HK$70,514
baseline
▲ 0.50% · 4.625%
HK$74,231
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,028/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,162
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,407
−HK$2,281/mo
Today · 4.125%
HK$76,688
baseline
▲ 0.50% · 4.625%
HK$81,354
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,376/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,280
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,433
−HK$2,184/mo
Today · 4.125%
HK$84,617
baseline
▲ 0.50% · 4.625%
HK$89,077
+HK$4,460/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,234/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,189
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,808
−HK$2,661/mo
Today · 4.125%
HK$89,469
baseline
▲ 0.50% · 4.625%
HK$94,913
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,938/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,660
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,172
−HK$2,548/mo
Today · 4.125%
HK$98,720
baseline
▲ 0.50% · 4.625%
HK$103,924
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,440/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,243
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,610
−HK$3,421/mo
Today · 4.125%
HK$115,031
baseline
▲ 0.50% · 4.625%
HK$122,031
+HK$7,000/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,062/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,420
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,649
−HK$3,277/mo
Today · 4.125%
HK$126,926
baseline
▲ 0.50% · 4.625%
HK$133,616
+HK$6,690/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,852/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,817 · Scale 2, in force from 26 Feb 2026)