LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,082
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,951
−HK$1,899/mo
Today · 4.125%
HK$63,850
baseline
▲ 0.50% · 4.625%
HK$67,735
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,700/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,841
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,633
−HK$1,819/mo
Today · 4.125%
HK$70,452
baseline
▲ 0.50% · 4.625%
HK$74,166
+HK$3,714/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,904/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,099
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$2,279/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$81,282
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,209
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,360
−HK$2,182/mo
Today · 4.125%
HK$84,542
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,084/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,115
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,658/mo
Today · 4.125%
HK$89,390
baseline
▲ 0.50% · 4.625%
HK$94,829
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,780/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,577
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,087
−HK$2,546/mo
Today · 4.125%
HK$98,633
baseline
▲ 0.50% · 4.625%
HK$103,832
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,266/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,148
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,512
−HK$3,418/mo
Today · 4.125%
HK$114,930
baseline
▲ 0.50% · 4.625%
HK$121,923
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,860/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,314
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,540
−HK$3,274/mo
Today · 4.125%
HK$126,814
baseline
▲ 0.50% · 4.625%
HK$133,498
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,628/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,828 · Scale 2, in force from 26 Feb 2026)