LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,060
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,928
−HK$1,899/mo
Today · 4.125%
HK$63,827
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,654/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,816
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,608
−HK$1,818/mo
Today · 4.125%
HK$70,426
baseline
▲ 0.50% · 4.625%
HK$74,139
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,852/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,072
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$2,278/mo
Today · 4.125%
HK$76,592
baseline
▲ 0.50% · 4.625%
HK$81,252
+HK$4,660/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$153,184/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,180
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,330
−HK$2,182/mo
Today · 4.125%
HK$84,512
baseline
▲ 0.50% · 4.625%
HK$88,966
+HK$4,454/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$169,024/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,084
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,657/mo
Today · 4.125%
HK$89,357
baseline
▲ 0.50% · 4.625%
HK$94,794
+HK$5,437/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,714/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,543
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,052
−HK$2,545/mo
Today · 4.125%
HK$98,597
baseline
▲ 0.50% · 4.625%
HK$103,794
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,194/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,108
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,471
−HK$3,417/mo
Today · 4.125%
HK$114,888
baseline
▲ 0.50% · 4.625%
HK$121,878
+HK$6,990/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,776/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,269
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,495
−HK$3,272/mo
Today · 4.125%
HK$126,767
baseline
▲ 0.50% · 4.625%
HK$133,449
+HK$6,682/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,534/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,418 · Scale 2, in force from 26 Feb 2026)