LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,169
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,040
−HK$1,902/mo
Today · 4.125%
HK$63,942
baseline
▲ 0.50% · 4.625%
HK$67,832
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,884/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,937
−HK$3,616/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$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,202
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,448
−HK$2,282/mo
Today · 4.125%
HK$76,730
baseline
▲ 0.50% · 4.625%
HK$81,399
+HK$4,669/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,460/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,324
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,479
−HK$2,185/mo
Today · 4.125%
HK$84,664
baseline
▲ 0.50% · 4.625%
HK$89,127
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,328/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,236
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,856
−HK$2,662/mo
Today · 4.125%
HK$89,518
baseline
▲ 0.50% · 4.625%
HK$94,965
+HK$5,447/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$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,712
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,225
−HK$2,550/mo
Today · 4.125%
HK$98,775
baseline
▲ 0.50% · 4.625%
HK$103,981
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,550/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,304
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,672
−HK$3,423/mo
Today · 4.125%
HK$115,095
baseline
▲ 0.50% · 4.625%
HK$122,098
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,190/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,487
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,718
−HK$3,278/mo
Today · 4.125%
HK$126,996
baseline
▲ 0.50% · 4.625%
HK$133,690
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,992/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,439 · Scale 2, in force from 26 Feb 2026)