LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,166
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,037
−HK$1,902/mo
Today · 4.125%
HK$63,939
baseline
▲ 0.50% · 4.625%
HK$67,829
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,878/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,934
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,729
−HK$1,821/mo
Today · 4.125%
HK$70,550
baseline
▲ 0.50% · 4.625%
HK$74,269
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,100/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,199
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,445
−HK$2,281/mo
Today · 4.125%
HK$76,726
baseline
▲ 0.50% · 4.625%
HK$81,395
+HK$4,669/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$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,320
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,475
−HK$2,185/mo
Today · 4.125%
HK$84,660
baseline
▲ 0.50% · 4.625%
HK$89,122
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,320/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,232
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,852
−HK$2,662/mo
Today · 4.125%
HK$89,514
baseline
▲ 0.50% · 4.625%
HK$94,961
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,028/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,707
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,220
−HK$2,550/mo
Today · 4.125%
HK$98,770
baseline
▲ 0.50% · 4.625%
HK$103,976
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,540/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,298
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,667
−HK$3,422/mo
Today · 4.125%
HK$115,089
baseline
▲ 0.50% · 4.625%
HK$122,092
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,178/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,481
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,712
−HK$3,278/mo
Today · 4.125%
HK$126,990
baseline
▲ 0.50% · 4.625%
HK$133,684
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,980/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,383 · Scale 2, in force from 26 Feb 2026)