LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,044
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,911
−HK$1,898/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,692
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,798
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,590
−HK$1,817/mo
Today · 4.125%
HK$70,407
baseline
▲ 0.50% · 4.625%
HK$74,118
+HK$3,711/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,814/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,052
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,294
−HK$2,277/mo
Today · 4.125%
HK$76,571
baseline
▲ 0.50% · 4.625%
HK$81,230
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,142/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,158
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,307
−HK$2,181/mo
Today · 4.125%
HK$84,488
baseline
▲ 0.50% · 4.625%
HK$88,942
+HK$4,454/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,976/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,061
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,676
−HK$2,657/mo
Today · 4.125%
HK$89,333
baseline
▲ 0.50% · 4.625%
HK$94,768
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,666/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,517
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,025
−HK$2,545/mo
Today · 4.125%
HK$98,570
baseline
▲ 0.50% · 4.625%
HK$103,765
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,140/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,079
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,441
−HK$3,415/mo
Today · 4.125%
HK$114,856
baseline
▲ 0.50% · 4.625%
HK$121,845
+HK$6,989/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,712/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,236
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,461
−HK$3,271/mo
Today · 4.125%
HK$126,732
baseline
▲ 0.50% · 4.625%
HK$133,413
+HK$6,681/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,464/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,111 · Scale 2, in force from 26 Feb 2026)