LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,138
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,008
−HK$1,901/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,888/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,697
−HK$1,820/mo
Today · 4.125%
HK$70,517
baseline
▲ 0.50% · 4.625%
HK$74,234
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,034/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,165
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,410
−HK$2,281/mo
Today · 4.125%
HK$76,691
baseline
▲ 0.50% · 4.625%
HK$81,357
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,382/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,283
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,436
−HK$2,184/mo
Today · 4.125%
HK$84,620
baseline
▲ 0.50% · 4.625%
HK$89,081
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,240/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,193
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,812
−HK$2,660/mo
Today · 4.125%
HK$89,472
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,944/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,663
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,175
−HK$2,549/mo
Today · 4.125%
HK$98,724
baseline
▲ 0.50% · 4.625%
HK$103,928
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,448/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,248
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,615
−HK$3,421/mo
Today · 4.125%
HK$115,036
baseline
▲ 0.50% · 4.625%
HK$122,035
+HK$6,999/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,072/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,424
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,654
−HK$3,277/mo
Today · 4.125%
HK$126,931
baseline
▲ 0.50% · 4.625%
HK$133,621
+HK$6,690/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,862/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,861 · Scale 2, in force from 26 Feb 2026)