LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,007
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,874
−HK$1,896/mo
Today · 4.125%
HK$63,770
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,540/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,757
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$1,816/mo
Today · 4.125%
HK$70,364
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,728/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,009
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$2,275/mo
Today · 4.125%
HK$76,524
baseline
▲ 0.50% · 4.625%
HK$81,181
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,048/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,109
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,257
−HK$2,180/mo
Today · 4.125%
HK$84,437
baseline
▲ 0.50% · 4.625%
HK$88,888
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,874/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,010
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,623
−HK$2,655/mo
Today · 4.125%
HK$89,278
baseline
▲ 0.50% · 4.625%
HK$94,711
+HK$5,433/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,556/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,460
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,967
−HK$2,543/mo
Today · 4.125%
HK$98,510
baseline
▲ 0.50% · 4.625%
HK$103,702
+HK$5,192/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,020/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,013
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,373
−HK$3,413/mo
Today · 4.125%
HK$114,786
baseline
▲ 0.50% · 4.625%
HK$121,771
+HK$6,985/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,572/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,163
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,386
−HK$3,270/mo
Today · 4.125%
HK$126,656
baseline
▲ 0.50% · 4.625%
HK$133,332
+HK$6,676/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,312/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,431 · Scale 2, in force from 26 Feb 2026)