LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,981
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,847
−HK$1,896/mo
Today · 4.125%
HK$63,743
baseline
▲ 0.50% · 4.625%
HK$67,621
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,486/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,728
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,518
−HK$1,816/mo
Today · 4.125%
HK$70,334
baseline
▲ 0.50% · 4.625%
HK$74,041
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,668/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,977
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,216
−HK$2,275/mo
Today · 4.125%
HK$76,491
baseline
▲ 0.50% · 4.625%
HK$81,145
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,982/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,074
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,222
−HK$2,178/mo
Today · 4.125%
HK$84,400
baseline
▲ 0.50% · 4.625%
HK$88,849
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,800/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,974
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,586
−HK$2,654/mo
Today · 4.125%
HK$89,240
baseline
▲ 0.50% · 4.625%
HK$94,670
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,480/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,420
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,925
−HK$2,542/mo
Today · 4.125%
HK$98,467
baseline
▲ 0.50% · 4.625%
HK$103,657
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,934/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,966
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,324
−HK$3,413/mo
Today · 4.125%
HK$114,737
baseline
▲ 0.50% · 4.625%
HK$121,718
+HK$6,981/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,474/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,111
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,333
−HK$3,267/mo
Today · 4.125%
HK$126,600
baseline
▲ 0.50% · 4.625%
HK$133,274
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,200/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,945 · Scale 2, in force from 26 Feb 2026)