LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,003
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,869
−HK$1,897/mo
Today · 4.125%
HK$63,766
baseline
▲ 0.50% · 4.625%
HK$67,646
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,532/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,753
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,543
−HK$1,816/mo
Today · 4.125%
HK$70,359
baseline
▲ 0.50% · 4.625%
HK$74,068
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,718/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,004
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,243
−HK$2,276/mo
Today · 4.125%
HK$76,519
baseline
▲ 0.50% · 4.625%
HK$81,175
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,038/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,103
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,252
−HK$2,179/mo
Today · 4.125%
HK$84,431
baseline
▲ 0.50% · 4.625%
HK$88,881
+HK$4,450/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,862/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,004
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,617
−HK$2,655/mo
Today · 4.125%
HK$89,272
baseline
▲ 0.50% · 4.625%
HK$94,704
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,544/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,454
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,960
−HK$2,543/mo
Today · 4.125%
HK$98,503
baseline
▲ 0.50% · 4.625%
HK$103,695
+HK$5,192/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,006/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,005
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,365
−HK$3,413/mo
Today · 4.125%
HK$114,778
baseline
▲ 0.50% · 4.625%
HK$121,762
+HK$6,984/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,556/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,155
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,377
−HK$3,269/mo
Today · 4.125%
HK$126,646
baseline
▲ 0.50% · 4.625%
HK$133,322
+HK$6,676/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,292/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,350 · Scale 2, in force from 26 Feb 2026)