LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,174
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,046
−HK$1,902/mo
Today · 4.125%
HK$63,948
baseline
▲ 0.50% · 4.625%
HK$67,839
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,896/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,943
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,738
−HK$1,822/mo
Today · 4.125%
HK$70,560
baseline
▲ 0.50% · 4.625%
HK$74,279
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,120/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,209
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,455
−HK$2,282/mo
Today · 4.125%
HK$76,737
baseline
▲ 0.50% · 4.625%
HK$81,406
+HK$4,669/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,474/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,332
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,486
−HK$2,186/mo
Today · 4.125%
HK$84,672
baseline
▲ 0.50% · 4.625%
HK$89,135
+HK$4,463/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,344/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,244
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,864
−HK$2,663/mo
Today · 4.125%
HK$89,527
baseline
▲ 0.50% · 4.625%
HK$94,974
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,054/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,720
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,234
−HK$2,550/mo
Today · 4.125%
HK$98,784
baseline
▲ 0.50% · 4.625%
HK$103,991
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,568/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,313
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,683
−HK$3,423/mo
Today · 4.125%
HK$115,106
baseline
▲ 0.50% · 4.625%
HK$122,110
+HK$7,004/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,212/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,498
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,729
−HK$3,279/mo
Today · 4.125%
HK$127,008
baseline
▲ 0.50% · 4.625%
HK$133,702
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,016/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,541 · Scale 2, in force from 26 Feb 2026)