LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,031
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,897/mo
Today · 4.125%
HK$63,795
baseline
▲ 0.50% · 4.625%
HK$67,677
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,590/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,783
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,575
−HK$1,817/mo
Today · 4.125%
HK$70,392
baseline
▲ 0.50% · 4.625%
HK$74,102
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,784/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,037
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,277
−HK$2,277/mo
Today · 4.125%
HK$76,554
baseline
▲ 0.50% · 4.625%
HK$81,212
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,108/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,140
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,289
−HK$2,181/mo
Today · 4.125%
HK$84,470
baseline
▲ 0.50% · 4.625%
HK$88,922
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,940/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,043
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,657
−HK$2,656/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,748
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,497
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$96,004
−HK$2,544/mo
Today · 4.125%
HK$98,548
baseline
▲ 0.50% · 4.625%
HK$103,743
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,096/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,055
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,416
−HK$3,415/mo
Today · 4.125%
HK$114,831
baseline
▲ 0.50% · 4.625%
HK$121,818
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,662/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,210
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,434
−HK$3,271/mo
Today · 4.125%
HK$126,705
baseline
▲ 0.50% · 4.625%
HK$133,384
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,410/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,866 · Scale 2, in force from 26 Feb 2026)