LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,732
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,590
−HK$1,888/mo
Today · 4.125%
HK$63,478
baseline
▲ 0.50% · 4.625%
HK$67,340
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,956/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,451
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,234
−HK$1,808/mo
Today · 4.125%
HK$70,042
baseline
▲ 0.50% · 4.625%
HK$73,734
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,084/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,679
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$2,265/mo
Today · 4.125%
HK$76,173
baseline
▲ 0.50% · 4.625%
HK$80,808
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,346/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,880
−HK$2,170/mo
Today · 4.125%
HK$84,050
baseline
▲ 0.50% · 4.625%
HK$88,480
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,100/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,625
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,226
−HK$2,643/mo
Today · 4.125%
HK$88,869
baseline
▲ 0.50% · 4.625%
HK$94,276
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,738/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,032
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,527
−HK$2,531/mo
Today · 4.125%
HK$98,058
baseline
▲ 0.50% · 4.625%
HK$103,227
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,116/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,518
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,862
−HK$3,398/mo
Today · 4.125%
HK$114,260
baseline
▲ 0.50% · 4.625%
HK$121,213
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,520/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,612
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,820
−HK$3,255/mo
Today · 4.125%
HK$126,075
baseline
▲ 0.50% · 4.625%
HK$132,720
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,150/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,303 · Scale 2, in force from 26 Feb 2026)