LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,019
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,886
−HK$1,897/mo
Today · 4.125%
HK$63,783
baseline
▲ 0.50% · 4.625%
HK$67,664
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,566/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,771
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,562
−HK$1,816/mo
Today · 4.125%
HK$70,378
baseline
▲ 0.50% · 4.625%
HK$74,088
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,756/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,023
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,264
−HK$2,276/mo
Today · 4.125%
HK$76,540
baseline
▲ 0.50% · 4.625%
HK$81,197
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,080/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,125
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,274
−HK$2,180/mo
Today · 4.125%
HK$84,454
baseline
▲ 0.50% · 4.625%
HK$88,906
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,908/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,027
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,641
−HK$2,656/mo
Today · 4.125%
HK$89,297
baseline
▲ 0.50% · 4.625%
HK$94,730
+HK$5,433/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$178,594/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,479
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,987
−HK$2,543/mo
Today · 4.125%
HK$98,530
baseline
▲ 0.50% · 4.625%
HK$103,724
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$197,060/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,035
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,396
−HK$3,414/mo
Today · 4.125%
HK$114,810
baseline
▲ 0.50% · 4.625%
HK$121,796
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,620/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,188
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,411
−HK$3,270/mo
Today · 4.125%
HK$126,681
baseline
▲ 0.50% · 4.625%
HK$133,359
+HK$6,678/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,362/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,659 · Scale 2, in force from 26 Feb 2026)