LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,074
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,942
−HK$1,899/mo
Today · 4.125%
HK$63,841
baseline
▲ 0.50% · 4.625%
HK$67,725
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,682/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,831
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,624
−HK$1,818/mo
Today · 4.125%
HK$70,442
baseline
▲ 0.50% · 4.625%
HK$74,155
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,884/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,088
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,331
−HK$2,278/mo
Today · 4.125%
HK$76,609
baseline
▲ 0.50% · 4.625%
HK$81,271
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,218/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,198
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,349
−HK$2,182/mo
Today · 4.125%
HK$84,531
baseline
▲ 0.50% · 4.625%
HK$88,986
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,062/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,103
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,719
−HK$2,658/mo
Today · 4.125%
HK$89,377
baseline
▲ 0.50% · 4.625%
HK$94,816
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,754/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,564
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,073
−HK$2,546/mo
Today · 4.125%
HK$98,619
baseline
▲ 0.50% · 4.625%
HK$103,817
+HK$5,198/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,238/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,133
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,496
−HK$3,418/mo
Today · 4.125%
HK$114,914
baseline
▲ 0.50% · 4.625%
HK$121,906
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,828/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,297
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$123,523
−HK$3,273/mo
Today · 4.125%
HK$126,796
baseline
▲ 0.50% · 4.625%
HK$133,479
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,592/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,670 · Scale 2, in force from 26 Feb 2026)