LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,174
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,045
−HK$1,902/mo
Today · 4.125%
HK$63,947
baseline
▲ 0.50% · 4.625%
HK$67,838
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,894/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,942
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,738
−HK$1,821/mo
Today · 4.125%
HK$70,559
baseline
▲ 0.50% · 4.625%
HK$74,278
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,118/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,208
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,454
−HK$2,282/mo
Today · 4.125%
HK$76,736
baseline
▲ 0.50% · 4.625%
HK$81,406
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,472/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,331
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,485
−HK$2,186/mo
Today · 4.125%
HK$84,671
baseline
▲ 0.50% · 4.625%
HK$89,134
+HK$4,463/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,342/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,243
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,863
−HK$2,663/mo
Today · 4.125%
HK$89,526
baseline
▲ 0.50% · 4.625%
HK$94,973
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,052/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,719
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,550/mo
Today · 4.125%
HK$98,783
baseline
▲ 0.50% · 4.625%
HK$103,990
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,566/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,312
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,682
−HK$3,423/mo
Today · 4.125%
HK$115,105
baseline
▲ 0.50% · 4.625%
HK$122,108
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,210/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,496
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,728
−HK$3,278/mo
Today · 4.125%
HK$127,006
baseline
▲ 0.50% · 4.625%
HK$133,701
+HK$6,695/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,012/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,530 · Scale 2, in force from 26 Feb 2026)