LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,057
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,898/mo
Today · 4.125%
HK$63,824
baseline
▲ 0.50% · 4.625%
HK$67,707
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,648/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,813
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,605
−HK$1,818/mo
Today · 4.125%
HK$70,423
baseline
▲ 0.50% · 4.625%
HK$74,135
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,846/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,069
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,311
−HK$2,277/mo
Today · 4.125%
HK$76,588
baseline
▲ 0.50% · 4.625%
HK$81,249
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$153,176/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,176
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,326
−HK$2,182/mo
Today · 4.125%
HK$84,508
baseline
▲ 0.50% · 4.625%
HK$88,962
+HK$4,454/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$169,016/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,080
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,696
−HK$2,657/mo
Today · 4.125%
HK$89,353
baseline
▲ 0.50% · 4.625%
HK$94,790
+HK$5,437/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,706/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,539
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,047
−HK$2,545/mo
Today · 4.125%
HK$98,592
baseline
▲ 0.50% · 4.625%
HK$103,789
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,184/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,103
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,466
−HK$3,417/mo
Today · 4.125%
HK$114,883
baseline
▲ 0.50% · 4.625%
HK$121,873
+HK$6,990/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,766/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,264
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,489
−HK$3,273/mo
Today · 4.125%
HK$126,762
baseline
▲ 0.50% · 4.625%
HK$133,443
+HK$6,681/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,524/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,367 · Scale 2, in force from 26 Feb 2026)