LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,080
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,949
−HK$1,898/mo
Today · 4.125%
HK$63,847
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,694/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,838
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,631
−HK$1,818/mo
Today · 4.125%
HK$70,449
baseline
▲ 0.50% · 4.625%
HK$74,163
+HK$3,714/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,898/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,096
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,338
−HK$2,279/mo
Today · 4.125%
HK$76,617
baseline
▲ 0.50% · 4.625%
HK$81,279
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,234/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,206
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,182/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$88,995
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,112
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,728
−HK$2,658/mo
Today · 4.125%
HK$89,386
baseline
▲ 0.50% · 4.625%
HK$94,825
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,772/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,574
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,083
−HK$2,546/mo
Today · 4.125%
HK$98,629
baseline
▲ 0.50% · 4.625%
HK$103,828
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,258/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,144
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,508
−HK$3,417/mo
Today · 4.125%
HK$114,925
baseline
▲ 0.50% · 4.625%
HK$121,918
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,850/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,309
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,535
−HK$3,274/mo
Today · 4.125%
HK$126,809
baseline
▲ 0.50% · 4.625%
HK$133,493
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,618/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,784 · Scale 2, in force from 26 Feb 2026)