LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,161
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,032
−HK$1,902/mo
Today · 4.125%
HK$63,934
baseline
▲ 0.50% · 4.625%
HK$67,824
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,868/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,929
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,724
−HK$1,821/mo
Today · 4.125%
HK$70,545
baseline
▲ 0.50% · 4.625%
HK$74,263
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,090/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,193
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,439
−HK$2,282/mo
Today · 4.125%
HK$76,721
baseline
▲ 0.50% · 4.625%
HK$81,389
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,442/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,314
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,468
−HK$2,186/mo
Today · 4.125%
HK$84,654
baseline
▲ 0.50% · 4.625%
HK$89,116
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,308/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,226
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,662/mo
Today · 4.125%
HK$89,507
baseline
▲ 0.50% · 4.625%
HK$94,954
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,014/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,700
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,213
−HK$2,549/mo
Today · 4.125%
HK$98,762
baseline
▲ 0.50% · 4.625%
HK$103,968
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,524/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,290
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,658
−HK$3,423/mo
Today · 4.125%
HK$115,081
baseline
▲ 0.50% · 4.625%
HK$122,083
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,162/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,472
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,703
−HK$3,277/mo
Today · 4.125%
HK$126,980
baseline
▲ 0.50% · 4.625%
HK$133,674
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,960/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,299 · Scale 2, in force from 26 Feb 2026)