LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,002
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,869
−HK$1,896/mo
Today · 4.125%
HK$63,765
baseline
▲ 0.50% · 4.625%
HK$67,645
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,530/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,752
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,542
−HK$1,816/mo
Today · 4.125%
HK$70,358
baseline
▲ 0.50% · 4.625%
HK$74,067
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,716/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,003
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,242
−HK$2,276/mo
Today · 4.125%
HK$76,518
baseline
▲ 0.50% · 4.625%
HK$81,174
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,036/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,102
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,250
−HK$2,180/mo
Today · 4.125%
HK$84,430
baseline
▲ 0.50% · 4.625%
HK$88,880
+HK$4,450/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,860/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,003
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,616
−HK$2,655/mo
Today · 4.125%
HK$89,271
baseline
▲ 0.50% · 4.625%
HK$94,703
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,542/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,452
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,959
−HK$2,542/mo
Today · 4.125%
HK$98,501
baseline
▲ 0.50% · 4.625%
HK$103,694
+HK$5,193/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,002/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,004
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,363
−HK$3,414/mo
Today · 4.125%
HK$114,777
baseline
▲ 0.50% · 4.625%
HK$121,760
+HK$6,983/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,554/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,153
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,376
−HK$3,269/mo
Today · 4.125%
HK$126,645
baseline
▲ 0.50% · 4.625%
HK$133,320
+HK$6,675/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,290/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,335 · Scale 2, in force from 26 Feb 2026)