LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,138
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,901/mo
Today · 4.125%
HK$63,910
baseline
▲ 0.50% · 4.625%
HK$67,798
+HK$3,888/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,820/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,903
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,698
−HK$1,820/mo
Today · 4.125%
HK$70,518
baseline
▲ 0.50% · 4.625%
HK$74,235
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,036/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,166
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,411
−HK$2,280/mo
Today · 4.125%
HK$76,691
baseline
▲ 0.50% · 4.625%
HK$81,358
+HK$4,667/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$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,284
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,437
−HK$2,184/mo
Today · 4.125%
HK$84,621
baseline
▲ 0.50% · 4.625%
HK$89,082
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,242/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,194
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,813
−HK$2,660/mo
Today · 4.125%
HK$89,473
baseline
▲ 0.50% · 4.625%
HK$94,918
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,946/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,665
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,177
−HK$2,548/mo
Today · 4.125%
HK$98,725
baseline
▲ 0.50% · 4.625%
HK$103,929
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,450/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,249
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,616
−HK$3,421/mo
Today · 4.125%
HK$115,037
baseline
▲ 0.50% · 4.625%
HK$122,037
+HK$7,000/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,074/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,426
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,656
−HK$3,276/mo
Today · 4.125%
HK$126,932
baseline
▲ 0.50% · 4.625%
HK$133,623
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,864/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,874 · Scale 2, in force from 26 Feb 2026)