LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,514
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,881/mo
Today · 4.125%
HK$63,246
baseline
▲ 0.50% · 4.625%
HK$67,094
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,492/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,209
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,984
−HK$1,802/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$73,464
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,417
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,638
−HK$2,257/mo
Today · 4.125%
HK$75,895
baseline
▲ 0.50% · 4.625%
HK$80,513
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,790/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,450
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,581
−HK$2,162/mo
Today · 4.125%
HK$83,743
baseline
▲ 0.50% · 4.625%
HK$88,157
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,486/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,319
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,911
−HK$2,633/mo
Today · 4.125%
HK$88,544
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,088/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,692
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,178
−HK$2,522/mo
Today · 4.125%
HK$97,700
baseline
▲ 0.50% · 4.625%
HK$102,850
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,400/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,125
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,457
−HK$3,386/mo
Today · 4.125%
HK$113,843
baseline
▲ 0.50% · 4.625%
HK$120,770
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,686/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,175
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,372
−HK$3,242/mo
Today · 4.125%
HK$125,614
baseline
▲ 0.50% · 4.625%
HK$132,235
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,228/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,235 · Scale 2, in force from 26 Feb 2026)