LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,004
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,870
−HK$1,897/mo
Today · 4.125%
HK$63,767
baseline
▲ 0.50% · 4.625%
HK$67,647
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,534/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,754
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,544
−HK$1,816/mo
Today · 4.125%
HK$70,360
baseline
▲ 0.50% · 4.625%
HK$74,069
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,720/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,005
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,244
−HK$2,276/mo
Today · 4.125%
HK$76,520
baseline
▲ 0.50% · 4.625%
HK$81,176
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,040/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,105
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,253
−HK$2,179/mo
Today · 4.125%
HK$84,432
baseline
▲ 0.50% · 4.625%
HK$88,883
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,864/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,006
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,619
−HK$2,654/mo
Today · 4.125%
HK$89,273
baseline
▲ 0.50% · 4.625%
HK$94,705
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,546/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,455
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,962
−HK$2,542/mo
Today · 4.125%
HK$98,504
baseline
▲ 0.50% · 4.625%
HK$103,697
+HK$5,193/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,008/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,007
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,367
−HK$3,413/mo
Today · 4.125%
HK$114,780
baseline
▲ 0.50% · 4.625%
HK$121,764
+HK$6,984/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,560/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,157
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,379
−HK$3,270/mo
Today · 4.125%
HK$126,649
baseline
▲ 0.50% · 4.625%
HK$133,324
+HK$6,675/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,298/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,369 · Scale 2, in force from 26 Feb 2026)