LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,017
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,884
−HK$1,897/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,768
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,559
−HK$1,817/mo
Today · 4.125%
HK$70,376
baseline
▲ 0.50% · 4.625%
HK$74,085
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,752/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,020
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,261
−HK$2,276/mo
Today · 4.125%
HK$76,537
baseline
▲ 0.50% · 4.625%
HK$81,194
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,074/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,122
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,271
−HK$2,180/mo
Today · 4.125%
HK$84,451
baseline
▲ 0.50% · 4.625%
HK$88,902
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,902/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,024
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,637
−HK$2,656/mo
Today · 4.125%
HK$89,293
baseline
▲ 0.50% · 4.625%
HK$94,726
+HK$5,433/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$178,586/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,476
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,983
−HK$2,543/mo
Today · 4.125%
HK$98,526
baseline
▲ 0.50% · 4.625%
HK$103,719
+HK$5,193/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$197,052/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,031
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,391
−HK$3,414/mo
Today · 4.125%
HK$114,805
baseline
▲ 0.50% · 4.625%
HK$121,791
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,610/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,183
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,406
−HK$3,270/mo
Today · 4.125%
HK$126,676
baseline
▲ 0.50% · 4.625%
HK$133,353
+HK$6,677/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,352/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,614 · Scale 2, in force from 26 Feb 2026)