LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,136
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,007
−HK$1,900/mo
Today · 4.125%
HK$63,907
baseline
▲ 0.50% · 4.625%
HK$67,796
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,814/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,901
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,695
−HK$1,820/mo
Today · 4.125%
HK$70,515
baseline
▲ 0.50% · 4.625%
HK$74,232
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,030/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,163
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,408
−HK$2,281/mo
Today · 4.125%
HK$76,689
baseline
▲ 0.50% · 4.625%
HK$81,355
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,378/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,281
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,434
−HK$2,184/mo
Today · 4.125%
HK$84,618
baseline
▲ 0.50% · 4.625%
HK$89,079
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,236/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,191
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,809
−HK$2,661/mo
Today · 4.125%
HK$89,470
baseline
▲ 0.50% · 4.625%
HK$94,914
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,940/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,661
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,173
−HK$2,548/mo
Today · 4.125%
HK$98,721
baseline
▲ 0.50% · 4.625%
HK$103,925
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,442/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,245
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,612
−HK$3,421/mo
Today · 4.125%
HK$115,033
baseline
▲ 0.50% · 4.625%
HK$122,032
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,066/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,421
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,651
−HK$3,276/mo
Today · 4.125%
HK$126,927
baseline
▲ 0.50% · 4.625%
HK$133,618
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,854/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,833 · Scale 2, in force from 26 Feb 2026)