LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,037
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,904
−HK$1,898/mo
Today · 4.125%
HK$63,802
baseline
▲ 0.50% · 4.625%
HK$67,684
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,604/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,790
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,581
−HK$1,818/mo
Today · 4.125%
HK$70,399
baseline
▲ 0.50% · 4.625%
HK$74,109
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,798/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,044
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,285
−HK$2,277/mo
Today · 4.125%
HK$76,562
baseline
▲ 0.50% · 4.625%
HK$81,220
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,124/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,148
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,298
−HK$2,180/mo
Today · 4.125%
HK$84,478
baseline
▲ 0.50% · 4.625%
HK$88,931
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,956/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,051
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,666
−HK$2,656/mo
Today · 4.125%
HK$89,322
baseline
▲ 0.50% · 4.625%
HK$94,757
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,644/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,506
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,014
−HK$2,544/mo
Today · 4.125%
HK$98,558
baseline
▲ 0.50% · 4.625%
HK$103,753
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,116/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,066
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,428
−HK$3,415/mo
Today · 4.125%
HK$114,843
baseline
▲ 0.50% · 4.625%
HK$121,831
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,686/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,222
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,447
−HK$3,271/mo
Today · 4.125%
HK$126,718
baseline
▲ 0.50% · 4.625%
HK$133,397
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,436/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,980 · Scale 2, in force from 26 Feb 2026)