LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,015
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,882
−HK$1,896/mo
Today · 4.125%
HK$63,778
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,881/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,556/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,766
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,557
−HK$1,816/mo
Today · 4.125%
HK$70,373
baseline
▲ 0.50% · 4.625%
HK$74,083
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,746/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,018
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,258
−HK$2,276/mo
Today · 4.125%
HK$76,534
baseline
▲ 0.50% · 4.625%
HK$81,191
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,068/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,119
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,268
−HK$2,180/mo
Today · 4.125%
HK$84,448
baseline
▲ 0.50% · 4.625%
HK$88,899
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,896/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,021
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,635
−HK$2,655/mo
Today · 4.125%
HK$89,290
baseline
▲ 0.50% · 4.625%
HK$94,723
+HK$5,433/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$178,580/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,473
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,979
−HK$2,544/mo
Today · 4.125%
HK$98,523
baseline
▲ 0.50% · 4.625%
HK$103,716
+HK$5,193/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$197,046/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,027
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,387
−HK$3,414/mo
Today · 4.125%
HK$114,801
baseline
▲ 0.50% · 4.625%
HK$121,787
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,602/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,179
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,402
−HK$3,270/mo
Today · 4.125%
HK$126,672
baseline
▲ 0.50% · 4.625%
HK$133,349
+HK$6,677/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,344/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,576 · Scale 2, in force from 26 Feb 2026)