LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,008
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,875
−HK$1,896/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,758
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,549
−HK$1,816/mo
Today · 4.125%
HK$70,365
baseline
▲ 0.50% · 4.625%
HK$74,074
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,730/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,250
−HK$2,275/mo
Today · 4.125%
HK$76,525
baseline
▲ 0.50% · 4.625%
HK$81,182
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,050/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,110
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,258
−HK$2,180/mo
Today · 4.125%
HK$84,438
baseline
▲ 0.50% · 4.625%
HK$88,889
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,876/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,011
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,624
−HK$2,655/mo
Today · 4.125%
HK$89,279
baseline
▲ 0.50% · 4.625%
HK$94,712
+HK$5,433/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,558/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,462
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,968
−HK$2,543/mo
Today · 4.125%
HK$98,511
baseline
▲ 0.50% · 4.625%
HK$103,704
+HK$5,193/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,022/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,014
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,374
−HK$3,414/mo
Today · 4.125%
HK$114,788
baseline
▲ 0.50% · 4.625%
HK$121,772
+HK$6,984/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,576/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,165
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,388
−HK$3,269/mo
Today · 4.125%
HK$126,657
baseline
▲ 0.50% · 4.625%
HK$133,333
+HK$6,676/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,314/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,445 · Scale 2, in force from 26 Feb 2026)