LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,145
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,016
−HK$1,901/mo
Today · 4.125%
HK$63,917
baseline
▲ 0.50% · 4.625%
HK$67,806
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,834/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,911
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,706
−HK$1,820/mo
Today · 4.125%
HK$70,526
baseline
▲ 0.50% · 4.625%
HK$74,244
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,052/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,004 · 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$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,293
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,447
−HK$2,184/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$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,203
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,661/mo
Today · 4.125%
HK$89,484
baseline
▲ 0.50% · 4.625%
HK$94,929
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,968/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,675
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,188
−HK$2,548/mo
Today · 4.125%
HK$98,736
baseline
▲ 0.50% · 4.625%
HK$103,941
+HK$5,205/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$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,262
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,629
−HK$3,422/mo
Today · 4.125%
HK$115,051
baseline
▲ 0.50% · 4.625%
HK$122,051
+HK$7,000/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,102/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,440
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,670
−HK$3,277/mo
Today · 4.125%
HK$126,947
baseline
▲ 0.50% · 4.625%
HK$133,638
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,894/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,004 · Scale 2, in force from 26 Feb 2026)