LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,066
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,935
−HK$1,898/mo
Today · 4.125%
HK$63,833
baseline
▲ 0.50% · 4.625%
HK$67,717
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,666/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,823
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,615
−HK$1,818/mo
Today · 4.125%
HK$70,433
baseline
▲ 0.50% · 4.625%
HK$74,146
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,866/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,079
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,322
−HK$2,277/mo
Today · 4.125%
HK$76,599
baseline
▲ 0.50% · 4.625%
HK$81,260
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,198/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,188
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,338
−HK$2,182/mo
Today · 4.125%
HK$84,520
baseline
▲ 0.50% · 4.625%
HK$88,975
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,040/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,093
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,708
−HK$2,658/mo
Today · 4.125%
HK$89,366
baseline
▲ 0.50% · 4.625%
HK$94,804
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,732/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,552
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,061
−HK$2,546/mo
Today · 4.125%
HK$98,607
baseline
▲ 0.50% · 4.625%
HK$103,804
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,214/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,119
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,482
−HK$3,417/mo
Today · 4.125%
HK$114,899
baseline
▲ 0.50% · 4.625%
HK$121,891
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,798/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,281
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,507
−HK$3,273/mo
Today · 4.125%
HK$126,780
baseline
▲ 0.50% · 4.625%
HK$133,463
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,560/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,530 · Scale 2, in force from 26 Feb 2026)