LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,167
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,039
−HK$1,901/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,936
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,731
−HK$1,821/mo
Today · 4.125%
HK$70,552
baseline
▲ 0.50% · 4.625%
HK$74,271
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,104/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,201
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,447
−HK$2,282/mo
Today · 4.125%
HK$76,729
baseline
▲ 0.50% · 4.625%
HK$81,397
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,458/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,323
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,477
−HK$2,185/mo
Today · 4.125%
HK$84,662
baseline
▲ 0.50% · 4.625%
HK$89,125
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,324/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,234
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,855
−HK$2,662/mo
Today · 4.125%
HK$89,517
baseline
▲ 0.50% · 4.625%
HK$94,963
+HK$5,446/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,034/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,710
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,223
−HK$2,550/mo
Today · 4.125%
HK$98,773
baseline
▲ 0.50% · 4.625%
HK$103,979
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,546/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,301
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,670
−HK$3,423/mo
Today · 4.125%
HK$115,093
baseline
▲ 0.50% · 4.625%
HK$122,096
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,186/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,484
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,715
−HK$3,279/mo
Today · 4.125%
HK$126,994
baseline
▲ 0.50% · 4.625%
HK$133,688
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,988/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,416 · Scale 2, in force from 26 Feb 2026)