LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,021
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,888
−HK$1,897/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,666
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,772
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,563
−HK$1,817/mo
Today · 4.125%
HK$70,380
baseline
▲ 0.50% · 4.625%
HK$74,090
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,760/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,025
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,265
−HK$2,276/mo
Today · 4.125%
HK$76,541
baseline
▲ 0.50% · 4.625%
HK$81,199
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,082/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,127
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,276
−HK$2,180/mo
Today · 4.125%
HK$84,456
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,912/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,029
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,643
−HK$2,655/mo
Today · 4.125%
HK$89,298
baseline
▲ 0.50% · 4.625%
HK$94,732
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,596/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,481
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,989
−HK$2,543/mo
Today · 4.125%
HK$98,532
baseline
▲ 0.50% · 4.625%
HK$103,726
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,064/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,037
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,398
−HK$3,414/mo
Today · 4.125%
HK$114,812
baseline
▲ 0.50% · 4.625%
HK$121,798
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,624/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,190
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,414
−HK$3,270/mo
Today · 4.125%
HK$126,684
baseline
▲ 0.50% · 4.625%
HK$133,362
+HK$6,678/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,368/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,682 · Scale 2, in force from 26 Feb 2026)