LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,145
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,016
−HK$1,900/mo
Today · 4.125%
HK$63,916
baseline
▲ 0.50% · 4.625%
HK$67,806
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,832/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,910
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,705
−HK$1,820/mo
Today · 4.125%
HK$70,525
baseline
▲ 0.50% · 4.625%
HK$74,243
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,050/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,174
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$2,281/mo
Today · 4.125%
HK$76,700
baseline
▲ 0.50% · 4.625%
HK$81,367
+HK$4,667/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,400/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,293
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,446
−HK$2,185/mo
Today · 4.125%
HK$84,631
baseline
▲ 0.50% · 4.625%
HK$89,092
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,262/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,203
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,822
−HK$2,661/mo
Today · 4.125%
HK$89,483
baseline
▲ 0.50% · 4.625%
HK$94,928
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,966/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,675
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,187
−HK$2,549/mo
Today · 4.125%
HK$98,736
baseline
▲ 0.50% · 4.625%
HK$103,940
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,472/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,261
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,628
−HK$3,421/mo
Today · 4.125%
HK$115,049
baseline
▲ 0.50% · 4.625%
HK$122,050
+HK$7,001/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,098/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,439
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,669
−HK$3,277/mo
Today · 4.125%
HK$126,946
baseline
▲ 0.50% · 4.625%
HK$133,637
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,892/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,994 · Scale 2, in force from 26 Feb 2026)