LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,076
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,945
−HK$1,899/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,729
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,834
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,627
−HK$1,818/mo
Today · 4.125%
HK$70,445
baseline
▲ 0.50% · 4.625%
HK$74,159
+HK$3,714/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,890/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,092
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,334
−HK$2,279/mo
Today · 4.125%
HK$76,613
baseline
▲ 0.50% · 4.625%
HK$81,274
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,226/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,201
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,352
−HK$2,182/mo
Today · 4.125%
HK$84,534
baseline
▲ 0.50% · 4.625%
HK$88,990
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,068/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,107
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,723
−HK$2,658/mo
Today · 4.125%
HK$89,381
baseline
▲ 0.50% · 4.625%
HK$94,820
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,762/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,568
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,078
−HK$2,545/mo
Today · 4.125%
HK$98,623
baseline
▲ 0.50% · 4.625%
HK$103,822
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,246/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,138
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,501
−HK$3,418/mo
Today · 4.125%
HK$114,919
baseline
▲ 0.50% · 4.625%
HK$121,911
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,838/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,302
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,528
−HK$3,274/mo
Today · 4.125%
HK$126,802
baseline
▲ 0.50% · 4.625%
HK$133,485
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,604/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,721 · Scale 2, in force from 26 Feb 2026)