LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,152
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,023
−HK$1,901/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,814
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,919
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,713
−HK$1,821/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,252
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,182
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,428
−HK$2,281/mo
Today · 4.125%
HK$76,709
baseline
▲ 0.50% · 4.625%
HK$81,377
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,418/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,302
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,456
−HK$2,185/mo
Today · 4.125%
HK$84,641
baseline
▲ 0.50% · 4.625%
HK$89,102
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,282/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,213
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,832
−HK$2,662/mo
Today · 4.125%
HK$89,494
baseline
▲ 0.50% · 4.625%
HK$94,939
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$178,988/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,686
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,199
−HK$2,549/mo
Today · 4.125%
HK$98,748
baseline
▲ 0.50% · 4.625%
HK$103,953
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,496/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,274
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,642
−HK$3,421/mo
Today · 4.125%
HK$115,063
baseline
▲ 0.50% · 4.625%
HK$122,065
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,126/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,453
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,684
−HK$3,277/mo
Today · 4.125%
HK$126,961
baseline
▲ 0.50% · 4.625%
HK$133,653
+HK$6,692/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,922/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,130 · Scale 2, in force from 26 Feb 2026)