LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,749
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,607
−HK$1,889/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$67,359
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,470
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,253
−HK$1,808/mo
Today · 4.125%
HK$70,061
baseline
▲ 0.50% · 4.625%
HK$73,754
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,122/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,699
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,929
−HK$2,266/mo
Today · 4.125%
HK$76,195
baseline
▲ 0.50% · 4.625%
HK$80,831
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,390/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,764
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,903
−HK$2,170/mo
Today · 4.125%
HK$84,073
baseline
▲ 0.50% · 4.625%
HK$88,505
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,146/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,644/mo
Today · 4.125%
HK$88,894
baseline
▲ 0.50% · 4.625%
HK$94,303
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,788/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,058
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,554
−HK$2,531/mo
Today · 4.125%
HK$98,085
baseline
▲ 0.50% · 4.625%
HK$103,256
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,170/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,548
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,893
−HK$3,399/mo
Today · 4.125%
HK$114,292
baseline
▲ 0.50% · 4.625%
HK$121,246
+HK$6,954/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,584/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,646
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,855
−HK$3,255/mo
Today · 4.125%
HK$126,110
baseline
▲ 0.50% · 4.625%
HK$132,757
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,220/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,613 · Scale 2, in force from 26 Feb 2026)