LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,009
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,875
−HK$1,897/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,652
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,759
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,550
−HK$1,816/mo
Today · 4.125%
HK$70,366
baseline
▲ 0.50% · 4.625%
HK$74,075
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,732/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,010
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,250
−HK$2,276/mo
Today · 4.125%
HK$76,526
baseline
▲ 0.50% · 4.625%
HK$81,183
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,052/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,111
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,259
−HK$2,180/mo
Today · 4.125%
HK$84,439
baseline
▲ 0.50% · 4.625%
HK$88,890
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,878/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,012
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,625
−HK$2,655/mo
Today · 4.125%
HK$89,280
baseline
▲ 0.50% · 4.625%
HK$94,713
+HK$5,433/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,560/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,463
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,969
−HK$2,543/mo
Today · 4.125%
HK$98,512
baseline
▲ 0.50% · 4.625%
HK$103,705
+HK$5,193/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,024/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,016
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,376
−HK$3,413/mo
Today · 4.125%
HK$114,789
baseline
▲ 0.50% · 4.625%
HK$121,774
+HK$6,985/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,578/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,166
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,389
−HK$3,270/mo
Today · 4.125%
HK$126,659
baseline
▲ 0.50% · 4.625%
HK$133,335
+HK$6,676/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,318/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,458 · Scale 2, in force from 26 Feb 2026)