LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,087
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,899/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,740
+HK$3,885/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,846
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,638
−HK$1,819/mo
Today · 4.125%
HK$70,457
baseline
▲ 0.50% · 4.625%
HK$74,171
+HK$3,714/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,914/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,347
−HK$2,278/mo
Today · 4.125%
HK$76,625
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,250/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,215
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,366
−HK$2,183/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,005
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,121
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,738
−HK$2,658/mo
Today · 4.125%
HK$89,396
baseline
▲ 0.50% · 4.625%
HK$94,836
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,792/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,584
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,094
−HK$2,546/mo
Today · 4.125%
HK$98,640
baseline
▲ 0.50% · 4.625%
HK$103,839
+HK$5,199/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,280/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,156
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,520
−HK$3,418/mo
Today · 4.125%
HK$114,938
baseline
▲ 0.50% · 4.625%
HK$121,932
+HK$6,994/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,876/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,322
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,549
−HK$3,274/mo
Today · 4.125%
HK$126,823
baseline
▲ 0.50% · 4.625%
HK$133,508
+HK$6,685/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,646/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,909 · Scale 2, in force from 26 Feb 2026)