LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,169
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,901/mo
Today · 4.125%
HK$63,942
baseline
▲ 0.50% · 4.625%
HK$67,833
+HK$3,891/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$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,937
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,733
−HK$1,821/mo
Today · 4.125%
HK$70,554
baseline
▲ 0.50% · 4.625%
HK$74,273
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,108/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,203
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,449
−HK$2,281/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$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,325
−HK$4,339/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$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,236
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,857
−HK$2,662/mo
Today · 4.125%
HK$89,519
baseline
▲ 0.50% · 4.625%
HK$94,966
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,038/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,712
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,226
−HK$2,549/mo
Today · 4.125%
HK$98,775
baseline
▲ 0.50% · 4.625%
HK$103,982
+HK$5,207/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$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,304
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,673
−HK$3,423/mo
Today · 4.125%
HK$115,096
baseline
▲ 0.50% · 4.625%
HK$122,099
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,192/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,487
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,719
−HK$3,278/mo
Today · 4.125%
HK$126,997
baseline
▲ 0.50% · 4.625%
HK$133,691
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,994/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,444 · Scale 2, in force from 26 Feb 2026)