LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,039
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,906
−HK$1,898/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,686
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,793
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,584
−HK$1,817/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,112
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,047
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,288
−HK$2,277/mo
Today · 4.125%
HK$76,565
baseline
▲ 0.50% · 4.625%
HK$81,223
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,130/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,151
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,301
−HK$2,181/mo
Today · 4.125%
HK$84,482
baseline
▲ 0.50% · 4.625%
HK$88,935
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,964/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,054
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,669
−HK$2,656/mo
Today · 4.125%
HK$89,325
baseline
▲ 0.50% · 4.625%
HK$94,761
+HK$5,436/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,650/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,510
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,018
−HK$2,544/mo
Today · 4.125%
HK$98,562
baseline
▲ 0.50% · 4.625%
HK$103,757
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,124/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,070
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,432
−HK$3,415/mo
Today · 4.125%
HK$114,847
baseline
▲ 0.50% · 4.625%
HK$121,835
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,694/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,227
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,451
−HK$3,271/mo
Today · 4.125%
HK$126,722
baseline
▲ 0.50% · 4.625%
HK$133,402
+HK$6,680/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,444/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,021 · Scale 2, in force from 26 Feb 2026)