LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,165
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,037
−HK$1,901/mo
Today · 4.125%
HK$63,938
baseline
▲ 0.50% · 4.625%
HK$67,828
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,876/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,933
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,728
−HK$1,821/mo
Today · 4.125%
HK$70,549
baseline
▲ 0.50% · 4.625%
HK$74,268
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,098/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,198
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,444
−HK$2,282/mo
Today · 4.125%
HK$76,726
baseline
▲ 0.50% · 4.625%
HK$81,394
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,452/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,320
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,474
−HK$2,185/mo
Today · 4.125%
HK$84,659
baseline
▲ 0.50% · 4.625%
HK$89,122
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,318/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,231
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,851
−HK$2,662/mo
Today · 4.125%
HK$89,513
baseline
▲ 0.50% · 4.625%
HK$94,960
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,026/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,706
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,219
−HK$2,550/mo
Today · 4.125%
HK$98,769
baseline
▲ 0.50% · 4.625%
HK$103,975
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,538/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,297
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,666
−HK$3,422/mo
Today · 4.125%
HK$115,088
baseline
▲ 0.50% · 4.625%
HK$122,091
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,176/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,480
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,711
−HK$3,278/mo
Today · 4.125%
HK$126,989
baseline
▲ 0.50% · 4.625%
HK$133,682
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,978/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,373 · Scale 2, in force from 26 Feb 2026)