LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,148
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,019
−HK$1,901/mo
Today · 4.125%
HK$63,920
baseline
▲ 0.50% · 4.625%
HK$67,810
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,840/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,915
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,709
−HK$1,821/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,247
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,178
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,423
−HK$2,281/mo
Today · 4.125%
HK$76,704
baseline
▲ 0.50% · 4.625%
HK$81,372
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,408/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,297
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,451
−HK$2,185/mo
Today · 4.125%
HK$84,636
baseline
▲ 0.50% · 4.625%
HK$89,097
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,272/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,208
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,827
−HK$2,661/mo
Today · 4.125%
HK$89,488
baseline
▲ 0.50% · 4.625%
HK$94,934
+HK$5,446/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,976/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,680
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,193
−HK$2,549/mo
Today · 4.125%
HK$98,742
baseline
▲ 0.50% · 4.625%
HK$103,946
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,484/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,267
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,635
−HK$3,421/mo
Today · 4.125%
HK$115,056
baseline
▲ 0.50% · 4.625%
HK$122,057
+HK$7,001/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,112/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,446
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,676
−HK$3,277/mo
Today · 4.125%
HK$126,953
baseline
▲ 0.50% · 4.625%
HK$133,645
+HK$6,692/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,906/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,062 · Scale 2, in force from 26 Feb 2026)