LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,041
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,908
−HK$1,898/mo
Today · 4.125%
HK$63,806
baseline
▲ 0.50% · 4.625%
HK$67,688
+HK$3,882/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,612/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,795
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,586
−HK$1,817/mo
Today · 4.125%
HK$70,403
baseline
▲ 0.50% · 4.625%
HK$74,114
+HK$3,711/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,806/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,049
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,290
−HK$2,277/mo
Today · 4.125%
HK$76,567
baseline
▲ 0.50% · 4.625%
HK$81,226
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,134/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,154
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,181/mo
Today · 4.125%
HK$84,484
baseline
▲ 0.50% · 4.625%
HK$88,937
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,968/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,057
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,672
−HK$2,656/mo
Today · 4.125%
HK$89,328
baseline
▲ 0.50% · 4.625%
HK$94,763
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,656/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,513
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,020
−HK$2,545/mo
Today · 4.125%
HK$98,565
baseline
▲ 0.50% · 4.625%
HK$103,760
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,130/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,073
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,435
−HK$3,415/mo
Today · 4.125%
HK$114,850
baseline
▲ 0.50% · 4.625%
HK$121,839
+HK$6,989/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,700/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,230
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,455
−HK$3,271/mo
Today · 4.125%
HK$126,726
baseline
▲ 0.50% · 4.625%
HK$133,406
+HK$6,680/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,452/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,054 · Scale 2, in force from 26 Feb 2026)