LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,059
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,898/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,709
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,815
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,607
−HK$1,818/mo
Today · 4.125%
HK$70,425
baseline
▲ 0.50% · 4.625%
HK$74,138
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,850/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,071
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,313
−HK$2,278/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$81,251
+HK$4,660/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,179
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,329
−HK$2,181/mo
Today · 4.125%
HK$84,510
baseline
▲ 0.50% · 4.625%
HK$88,965
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$169,020/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,083
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,699
−HK$2,657/mo
Today · 4.125%
HK$89,356
baseline
▲ 0.50% · 4.625%
HK$94,793
+HK$5,437/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,712/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,542
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,050
−HK$2,545/mo
Today · 4.125%
HK$98,595
baseline
▲ 0.50% · 4.625%
HK$103,793
+HK$5,198/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,190/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,107
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,470
−HK$3,416/mo
Today · 4.125%
HK$114,886
baseline
▲ 0.50% · 4.625%
HK$121,877
+HK$6,991/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,772/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,268
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,493
−HK$3,273/mo
Today · 4.125%
HK$126,766
baseline
▲ 0.50% · 4.625%
HK$133,448
+HK$6,682/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,532/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,403 · Scale 2, in force from 26 Feb 2026)