LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,721
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,887/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$67,328
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,439
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,221
−HK$1,808/mo
Today · 4.125%
HK$70,029
baseline
▲ 0.50% · 4.625%
HK$73,720
+HK$3,691/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,058/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,666
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,895
−HK$2,265/mo
Today · 4.125%
HK$76,160
baseline
▲ 0.50% · 4.625%
HK$80,794
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,320/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,727
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,866
−HK$2,169/mo
Today · 4.125%
HK$84,035
baseline
▲ 0.50% · 4.625%
HK$88,464
+HK$4,429/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,070/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,610
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,211
−HK$2,642/mo
Today · 4.125%
HK$88,853
baseline
▲ 0.50% · 4.625%
HK$94,260
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,706/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,015
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,510
−HK$2,531/mo
Today · 4.125%
HK$98,041
baseline
▲ 0.50% · 4.625%
HK$103,208
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,082/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,499
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,842
−HK$3,398/mo
Today · 4.125%
HK$114,240
baseline
▲ 0.50% · 4.625%
HK$121,191
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,480/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,591
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,798
−HK$3,254/mo
Today · 4.125%
HK$126,052
baseline
▲ 0.50% · 4.625%
HK$132,697
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,104/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,103 · Scale 2, in force from 26 Feb 2026)