LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,155
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,026
−HK$1,901/mo
Today · 4.125%
HK$63,927
baseline
▲ 0.50% · 4.625%
HK$67,817
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,854/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,921
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,716
−HK$1,821/mo
Today · 4.125%
HK$70,537
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,074/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,186
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,431
−HK$2,281/mo
Today · 4.125%
HK$76,712
baseline
▲ 0.50% · 4.625%
HK$81,380
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,424/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,306
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,459
−HK$2,185/mo
Today · 4.125%
HK$84,644
baseline
▲ 0.50% · 4.625%
HK$89,106
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,288/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,216
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,836
−HK$2,662/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,943
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,690
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,203
−HK$2,549/mo
Today · 4.125%
HK$98,752
baseline
▲ 0.50% · 4.625%
HK$103,957
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,504/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,278
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,646
−HK$3,422/mo
Today · 4.125%
HK$115,068
baseline
▲ 0.50% · 4.625%
HK$122,070
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,136/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,458
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,689
−HK$3,277/mo
Today · 4.125%
HK$126,966
baseline
▲ 0.50% · 4.625%
HK$133,659
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,932/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,177 · Scale 2, in force from 26 Feb 2026)