LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,033
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,897/mo
Today · 4.125%
HK$63,798
baseline
▲ 0.50% · 4.625%
HK$67,680
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,596/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,787
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,578
−HK$1,817/mo
Today · 4.125%
HK$70,395
baseline
▲ 0.50% · 4.625%
HK$74,105
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,790/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,040
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$2,277/mo
Today · 4.125%
HK$76,558
baseline
▲ 0.50% · 4.625%
HK$81,216
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,116/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,144
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,293
−HK$2,181/mo
Today · 4.125%
HK$84,474
baseline
▲ 0.50% · 4.625%
HK$88,926
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,948/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,047
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,661
−HK$2,656/mo
Today · 4.125%
HK$89,317
baseline
▲ 0.50% · 4.625%
HK$94,752
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,634/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,501
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,009
−HK$2,544/mo
Today · 4.125%
HK$98,553
baseline
▲ 0.50% · 4.625%
HK$103,748
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,106/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,060
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,421
−HK$3,415/mo
Today · 4.125%
HK$114,836
baseline
▲ 0.50% · 4.625%
HK$121,824
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,672/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,216
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,440
−HK$3,271/mo
Today · 4.125%
HK$126,711
baseline
▲ 0.50% · 4.625%
HK$133,390
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,422/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,918 · Scale 2, in force from 26 Feb 2026)