LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,753
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,612
−HK$1,888/mo
Today · 4.125%
HK$63,500
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,000/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,475
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,258
−HK$1,808/mo
Today · 4.125%
HK$70,066
baseline
▲ 0.50% · 4.625%
HK$73,760
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,132/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,704
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,934
−HK$2,266/mo
Today · 4.125%
HK$76,200
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,400/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,770
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,909
−HK$2,171/mo
Today · 4.125%
HK$84,080
baseline
▲ 0.50% · 4.625%
HK$88,512
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,160/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,655
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,257
−HK$2,643/mo
Today · 4.125%
HK$88,900
baseline
▲ 0.50% · 4.625%
HK$94,310
+HK$5,410/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,800/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,065
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,561
−HK$2,532/mo
Today · 4.125%
HK$98,093
baseline
▲ 0.50% · 4.625%
HK$103,264
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,186/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,556
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,902
−HK$3,399/mo
Today · 4.125%
HK$114,301
baseline
▲ 0.50% · 4.625%
HK$121,256
+HK$6,955/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,602/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,655
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,864
−HK$3,255/mo
Today · 4.125%
HK$126,119
baseline
▲ 0.50% · 4.625%
HK$132,767
+HK$6,648/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,238/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,697 · Scale 2, in force from 26 Feb 2026)