LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,736
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,888/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$67,344
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,455
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,238
−HK$1,808/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$73,738
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$2,265/mo
Today · 4.125%
HK$76,178
baseline
▲ 0.50% · 4.625%
HK$80,813
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,356/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,885
−HK$2,170/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,630
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,643/mo
Today · 4.125%
HK$88,874
baseline
▲ 0.50% · 4.625%
HK$94,282
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,748/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,038
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,533
−HK$2,531/mo
Today · 4.125%
HK$98,064
baseline
▲ 0.50% · 4.625%
HK$103,233
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,128/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,524
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,869
−HK$3,398/mo
Today · 4.125%
HK$114,267
baseline
▲ 0.50% · 4.625%
HK$121,220
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,534/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,620
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,828
−HK$3,255/mo
Today · 4.125%
HK$126,083
baseline
▲ 0.50% · 4.625%
HK$132,729
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,166/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,371 · Scale 2, in force from 26 Feb 2026)