LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,071
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,940
−HK$1,898/mo
Today · 4.125%
HK$63,838
baseline
▲ 0.50% · 4.625%
HK$67,723
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,676/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,829
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,621
−HK$1,818/mo
Today · 4.125%
HK$70,439
baseline
▲ 0.50% · 4.625%
HK$74,152
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,878/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,086
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,328
−HK$2,278/mo
Today · 4.125%
HK$76,606
baseline
▲ 0.50% · 4.625%
HK$81,267
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,212/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,194
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,345
−HK$2,182/mo
Today · 4.125%
HK$84,527
baseline
▲ 0.50% · 4.625%
HK$88,983
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,054/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,100
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,658/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,812
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,560
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,069
−HK$2,546/mo
Today · 4.125%
HK$98,615
baseline
▲ 0.50% · 4.625%
HK$103,813
+HK$5,198/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,230/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,128
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,492
−HK$3,417/mo
Today · 4.125%
HK$114,909
baseline
▲ 0.50% · 4.625%
HK$121,901
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,818/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,292
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,518
−HK$3,273/mo
Today · 4.125%
HK$126,791
baseline
▲ 0.50% · 4.625%
HK$133,474
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,582/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,624 · Scale 2, in force from 26 Feb 2026)