LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,065
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,934
−HK$1,898/mo
Today · 4.125%
HK$63,832
baseline
▲ 0.50% · 4.625%
HK$67,716
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,664/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,822
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,614
−HK$1,818/mo
Today · 4.125%
HK$70,432
baseline
▲ 0.50% · 4.625%
HK$74,145
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,864/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,078
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$2,278/mo
Today · 4.125%
HK$76,598
baseline
▲ 0.50% · 4.625%
HK$81,259
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$153,196/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,186
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,337
−HK$2,181/mo
Today · 4.125%
HK$84,518
baseline
▲ 0.50% · 4.625%
HK$88,974
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$169,036/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,091
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,707
−HK$2,658/mo
Today · 4.125%
HK$89,365
baseline
▲ 0.50% · 4.625%
HK$94,802
+HK$5,437/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,730/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,551
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,060
−HK$2,545/mo
Today · 4.125%
HK$98,605
baseline
▲ 0.50% · 4.625%
HK$103,803
+HK$5,198/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,210/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,117
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,480
−HK$3,417/mo
Today · 4.125%
HK$114,897
baseline
▲ 0.50% · 4.625%
HK$121,888
+HK$6,991/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,794/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,279
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,505
−HK$3,273/mo
Today · 4.125%
HK$126,778
baseline
▲ 0.50% · 4.625%
HK$133,460
+HK$6,682/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,556/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,510 · Scale 2, in force from 26 Feb 2026)