LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,726
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,584
−HK$1,887/mo
Today · 4.125%
HK$63,471
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,942/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,444
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,226
−HK$1,808/mo
Today · 4.125%
HK$70,034
baseline
▲ 0.50% · 4.625%
HK$73,726
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,068/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,671
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,900
−HK$2,265/mo
Today · 4.125%
HK$76,165
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,330/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,733
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,872
−HK$2,169/mo
Today · 4.125%
HK$84,041
baseline
▲ 0.50% · 4.625%
HK$88,471
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,082/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,616
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,217
−HK$2,643/mo
Today · 4.125%
HK$88,860
baseline
▲ 0.50% · 4.625%
HK$94,267
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,720/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,022
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,517
−HK$2,531/mo
Today · 4.125%
HK$98,048
baseline
▲ 0.50% · 4.625%
HK$103,216
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,096/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,506
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,851
−HK$3,397/mo
Today · 4.125%
HK$114,248
baseline
▲ 0.50% · 4.625%
HK$121,200
+HK$6,952/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,496/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,600
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,807
−HK$3,254/mo
Today · 4.125%
HK$126,061
baseline
▲ 0.50% · 4.625%
HK$132,706
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,122/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,186 · Scale 2, in force from 26 Feb 2026)