LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,168
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,040
−HK$1,901/mo
Today · 4.125%
HK$63,941
baseline
▲ 0.50% · 4.625%
HK$67,832
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,882/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,936
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,732
−HK$1,821/mo
Today · 4.125%
HK$70,553
baseline
▲ 0.50% · 4.625%
HK$74,272
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,106/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,202
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,447
−HK$2,282/mo
Today · 4.125%
HK$76,729
baseline
▲ 0.50% · 4.625%
HK$81,398
+HK$4,669/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$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,324
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,478
−HK$2,185/mo
Today · 4.125%
HK$84,663
baseline
▲ 0.50% · 4.625%
HK$89,126
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,326/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,235
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,855
−HK$2,663/mo
Today · 4.125%
HK$89,518
baseline
▲ 0.50% · 4.625%
HK$94,964
+HK$5,446/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,036/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,711
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,224
−HK$2,550/mo
Today · 4.125%
HK$98,774
baseline
▲ 0.50% · 4.625%
HK$103,980
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,548/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,302
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,671
−HK$3,423/mo
Today · 4.125%
HK$115,094
baseline
▲ 0.50% · 4.625%
HK$122,097
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,188/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,485
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,717
−HK$3,278/mo
Today · 4.125%
HK$126,995
baseline
▲ 0.50% · 4.625%
HK$133,689
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,990/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,427 · Scale 2, in force from 26 Feb 2026)