LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,032
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,899
−HK$1,898/mo
Today · 4.125%
HK$63,797
baseline
▲ 0.50% · 4.625%
HK$67,679
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,594/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,785
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,576
−HK$1,817/mo
Today · 4.125%
HK$70,393
baseline
▲ 0.50% · 4.625%
HK$74,104
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,786/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,039
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,279
−HK$2,277/mo
Today · 4.125%
HK$76,556
baseline
▲ 0.50% · 4.625%
HK$81,214
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,112/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,142
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,291
−HK$2,181/mo
Today · 4.125%
HK$84,472
baseline
▲ 0.50% · 4.625%
HK$88,925
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,944/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,045
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,656/mo
Today · 4.125%
HK$89,315
baseline
▲ 0.50% · 4.625%
HK$94,750
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,630/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,499
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,007
−HK$2,544/mo
Today · 4.125%
HK$98,551
baseline
▲ 0.50% · 4.625%
HK$103,745
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,102/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,058
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,419
−HK$3,415/mo
Today · 4.125%
HK$114,834
baseline
▲ 0.50% · 4.625%
HK$121,821
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,668/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,213
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,437
−HK$3,271/mo
Today · 4.125%
HK$126,708
baseline
▲ 0.50% · 4.625%
HK$133,387
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,416/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,894 · Scale 2, in force from 26 Feb 2026)