LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,035
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,902
−HK$1,898/mo
Today · 4.125%
HK$63,800
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,600/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,788
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,579
−HK$1,817/mo
Today · 4.125%
HK$70,396
baseline
▲ 0.50% · 4.625%
HK$74,107
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,792/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,042
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,283
−HK$2,276/mo
Today · 4.125%
HK$76,559
baseline
▲ 0.50% · 4.625%
HK$81,218
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,118/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,146
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,295
−HK$2,181/mo
Today · 4.125%
HK$84,476
baseline
▲ 0.50% · 4.625%
HK$88,929
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,952/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,049
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,663
−HK$2,656/mo
Today · 4.125%
HK$89,319
baseline
▲ 0.50% · 4.625%
HK$94,754
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,638/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,503
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,011
−HK$2,544/mo
Today · 4.125%
HK$98,555
baseline
▲ 0.50% · 4.625%
HK$103,750
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,110/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,063
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,424
−HK$3,415/mo
Today · 4.125%
HK$114,839
baseline
▲ 0.50% · 4.625%
HK$121,827
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,678/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,219
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,443
−HK$3,271/mo
Today · 4.125%
HK$126,714
baseline
▲ 0.50% · 4.625%
HK$133,393
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,428/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,944 · Scale 2, in force from 26 Feb 2026)