LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,083
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,899/mo
Today · 4.125%
HK$63,851
baseline
▲ 0.50% · 4.625%
HK$67,736
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,702/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,842
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,635
−HK$1,818/mo
Today · 4.125%
HK$70,453
baseline
▲ 0.50% · 4.625%
HK$74,167
+HK$3,714/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$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,100
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,342
−HK$2,279/mo
Today · 4.125%
HK$76,621
baseline
▲ 0.50% · 4.625%
HK$81,283
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,242/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,210
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,361
−HK$2,183/mo
Today · 4.125%
HK$84,544
baseline
▲ 0.50% · 4.625%
HK$89,000
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,088/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,116
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,733
−HK$2,658/mo
Today · 4.125%
HK$89,391
baseline
▲ 0.50% · 4.625%
HK$94,830
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,782/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,579
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,088
−HK$2,546/mo
Today · 4.125%
HK$98,634
baseline
▲ 0.50% · 4.625%
HK$103,834
+HK$5,200/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$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,150
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,514
−HK$3,418/mo
Today · 4.125%
HK$114,932
baseline
▲ 0.50% · 4.625%
HK$121,925
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,864/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,315
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,542
−HK$3,274/mo
Today · 4.125%
HK$126,816
baseline
▲ 0.50% · 4.625%
HK$133,500
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,632/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,845 · Scale 2, in force from 26 Feb 2026)