LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,986
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,896/mo
Today · 4.125%
HK$63,748
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,879/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,496/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,734
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,524
−HK$1,816/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,047
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,984
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,223
−HK$2,275/mo
Today · 4.125%
HK$76,498
baseline
▲ 0.50% · 4.625%
HK$81,152
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,996/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,081
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,229
−HK$2,179/mo
Today · 4.125%
HK$84,408
baseline
▲ 0.50% · 4.625%
HK$88,857
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,816/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,981
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,593
−HK$2,654/mo
Today · 4.125%
HK$89,247
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$5,431/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,494/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,428
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,934
−HK$2,541/mo
Today · 4.125%
HK$98,475
baseline
▲ 0.50% · 4.625%
HK$103,666
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,950/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,975
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,334
−HK$3,412/mo
Today · 4.125%
HK$114,746
baseline
▲ 0.50% · 4.625%
HK$121,728
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,492/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,121
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,343
−HK$3,268/mo
Today · 4.125%
HK$126,611
baseline
▲ 0.50% · 4.625%
HK$133,285
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,222/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,040 · Scale 2, in force from 26 Feb 2026)