LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,727
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,585
−HK$1,887/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$67,335
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,446
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,228
−HK$1,808/mo
Today · 4.125%
HK$70,036
baseline
▲ 0.50% · 4.625%
HK$73,727
+HK$3,691/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,072/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,672
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$2,265/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,801
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,170/mo
Today · 4.125%
HK$84,043
baseline
▲ 0.50% · 4.625%
HK$88,473
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,086/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,618
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,219
−HK$2,642/mo
Today · 4.125%
HK$88,861
baseline
▲ 0.50% · 4.625%
HK$94,268
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,722/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,024
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,519
−HK$2,531/mo
Today · 4.125%
HK$98,050
baseline
▲ 0.50% · 4.625%
HK$103,218
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,100/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,509
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,853
−HK$3,397/mo
Today · 4.125%
HK$114,250
baseline
▲ 0.50% · 4.625%
HK$121,202
+HK$6,952/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,500/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,602
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,810
−HK$3,254/mo
Today · 4.125%
HK$126,064
baseline
▲ 0.50% · 4.625%
HK$132,709
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,128/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,207 · Scale 2, in force from 26 Feb 2026)