LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,068
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,899/mo
Today · 4.125%
HK$63,835
baseline
▲ 0.50% · 4.625%
HK$67,719
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,670/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,825
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$1,818/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,148
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,082
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,324
−HK$2,278/mo
Today · 4.125%
HK$76,602
baseline
▲ 0.50% · 4.625%
HK$81,263
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,204/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,190
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,341
−HK$2,181/mo
Today · 4.125%
HK$84,522
baseline
▲ 0.50% · 4.625%
HK$88,978
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,044/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,095
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,711
−HK$2,658/mo
Today · 4.125%
HK$89,369
baseline
▲ 0.50% · 4.625%
HK$94,807
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,738/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,555
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,064
−HK$2,546/mo
Today · 4.125%
HK$98,610
baseline
▲ 0.50% · 4.625%
HK$103,807
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,220/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,122
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,486
−HK$3,417/mo
Today · 4.125%
HK$114,903
baseline
▲ 0.50% · 4.625%
HK$121,894
+HK$6,991/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,806/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,285
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,511
−HK$3,273/mo
Today · 4.125%
HK$126,784
baseline
▲ 0.50% · 4.625%
HK$133,467
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,568/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,563 · Scale 2, in force from 26 Feb 2026)