LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,083
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,898/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$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,841
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,634
−HK$1,819/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,166
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,906/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,099
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,342
−HK$2,278/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$81,283
+HK$4,663/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$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,210
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,361
−HK$2,182/mo
Today · 4.125%
HK$84,543
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,086/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,116
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,658/mo
Today · 4.125%
HK$89,390
baseline
▲ 0.50% · 4.625%
HK$94,830
+HK$5,440/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$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,578
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,088
−HK$2,546/mo
Today · 4.125%
HK$98,634
baseline
▲ 0.50% · 4.625%
HK$103,833
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,268/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,149
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,513
−HK$3,418/mo
Today · 4.125%
HK$114,931
baseline
▲ 0.50% · 4.625%
HK$121,924
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,862/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,314
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,541
−HK$3,274/mo
Today · 4.125%
HK$126,815
baseline
▲ 0.50% · 4.625%
HK$133,499
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,630/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,836 · Scale 2, in force from 26 Feb 2026)