LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,170
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,042
−HK$1,901/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,734
−HK$1,821/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,274
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,204
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,450
−HK$2,282/mo
Today · 4.125%
HK$76,732
baseline
▲ 0.50% · 4.625%
HK$81,401
+HK$4,669/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,464/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,326
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,481
−HK$2,185/mo
Today · 4.125%
HK$84,666
baseline
▲ 0.50% · 4.625%
HK$89,129
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,332/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,238
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,858
−HK$2,663/mo
Today · 4.125%
HK$89,521
baseline
▲ 0.50% · 4.625%
HK$94,968
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,042/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,714
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,227
−HK$2,550/mo
Today · 4.125%
HK$98,777
baseline
▲ 0.50% · 4.625%
HK$103,984
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,554/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,306
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,675
−HK$3,423/mo
Today · 4.125%
HK$115,098
baseline
▲ 0.50% · 4.625%
HK$122,101
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,196/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,489
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,721
−HK$3,278/mo
Today · 4.125%
HK$126,999
baseline
▲ 0.50% · 4.625%
HK$133,693
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,998/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,465 · Scale 2, in force from 26 Feb 2026)