LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,164
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,036
−HK$1,901/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,828
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,932
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,727
−HK$1,821/mo
Today · 4.125%
HK$70,548
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,096/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,197
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,443
−HK$2,282/mo
Today · 4.125%
HK$76,725
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,450/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,473
−HK$2,185/mo
Today · 4.125%
HK$84,658
baseline
▲ 0.50% · 4.625%
HK$89,120
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,316/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,230
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,850
−HK$2,662/mo
Today · 4.125%
HK$89,512
baseline
▲ 0.50% · 4.625%
HK$94,959
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,024/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,705
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,218
−HK$2,550/mo
Today · 4.125%
HK$98,768
baseline
▲ 0.50% · 4.625%
HK$103,974
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,536/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,296
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,664
−HK$3,423/mo
Today · 4.125%
HK$115,087
baseline
▲ 0.50% · 4.625%
HK$122,090
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,174/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,478
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,709
−HK$3,278/mo
Today · 4.125%
HK$126,987
baseline
▲ 0.50% · 4.625%
HK$133,681
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,974/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,359 · Scale 2, in force from 26 Feb 2026)