LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,024
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,891
−HK$1,897/mo
Today · 4.125%
HK$63,788
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,576/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,776
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,567
−HK$1,817/mo
Today · 4.125%
HK$70,384
baseline
▲ 0.50% · 4.625%
HK$74,094
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,768/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,029
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,269
−HK$2,276/mo
Today · 4.125%
HK$76,545
baseline
▲ 0.50% · 4.625%
HK$81,203
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,090/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,131
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,280
−HK$2,180/mo
Today · 4.125%
HK$84,460
baseline
▲ 0.50% · 4.625%
HK$88,912
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,920/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,033
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,647
−HK$2,656/mo
Today · 4.125%
HK$89,303
baseline
▲ 0.50% · 4.625%
HK$94,737
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,606/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,486
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,994
−HK$2,543/mo
Today · 4.125%
HK$98,537
baseline
▲ 0.50% · 4.625%
HK$103,731
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,074/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,043
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,404
−HK$3,414/mo
Today · 4.125%
HK$114,818
baseline
▲ 0.50% · 4.625%
HK$121,805
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,636/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,197
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,420
−HK$3,271/mo
Today · 4.125%
HK$126,691
baseline
▲ 0.50% · 4.625%
HK$133,369
+HK$6,678/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,382/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,741 · Scale 2, in force from 26 Feb 2026)