LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,036
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,903
−HK$1,898/mo
Today · 4.125%
HK$63,801
baseline
▲ 0.50% · 4.625%
HK$67,683
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,602/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,789
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,581
−HK$1,817/mo
Today · 4.125%
HK$70,398
baseline
▲ 0.50% · 4.625%
HK$74,108
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,796/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,043
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,284
−HK$2,277/mo
Today · 4.125%
HK$76,561
baseline
▲ 0.50% · 4.625%
HK$81,219
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,122/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,147
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,297
−HK$2,180/mo
Today · 4.125%
HK$84,477
baseline
▲ 0.50% · 4.625%
HK$88,930
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,954/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,050
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,665
−HK$2,656/mo
Today · 4.125%
HK$89,321
baseline
▲ 0.50% · 4.625%
HK$94,756
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,642/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,505
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,013
−HK$2,544/mo
Today · 4.125%
HK$98,557
baseline
▲ 0.50% · 4.625%
HK$103,752
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,114/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,065
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,426
−HK$3,415/mo
Today · 4.125%
HK$114,841
baseline
▲ 0.50% · 4.625%
HK$121,829
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,682/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,221
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,445
−HK$3,271/mo
Today · 4.125%
HK$126,716
baseline
▲ 0.50% · 4.625%
HK$133,395
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,432/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,964 · Scale 2, in force from 26 Feb 2026)