LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,761
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,620
−HK$1,889/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$67,373
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,484
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,267
−HK$1,809/mo
Today · 4.125%
HK$70,076
baseline
▲ 0.50% · 4.625%
HK$73,769
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,152/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,713
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,944
−HK$2,266/mo
Today · 4.125%
HK$76,210
baseline
▲ 0.50% · 4.625%
HK$80,848
+HK$4,638/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,420/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,780
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,920
−HK$2,171/mo
Today · 4.125%
HK$84,091
baseline
▲ 0.50% · 4.625%
HK$88,523
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,182/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,666
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,268
−HK$2,644/mo
Today · 4.125%
HK$88,912
baseline
▲ 0.50% · 4.625%
HK$94,322
+HK$5,410/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,824/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,077
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,573
−HK$2,533/mo
Today · 4.125%
HK$98,106
baseline
▲ 0.50% · 4.625%
HK$103,277
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,212/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,570
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,916
−HK$3,400/mo
Today · 4.125%
HK$114,316
baseline
▲ 0.50% · 4.625%
HK$121,271
+HK$6,955/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,632/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,671
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,880
−HK$3,256/mo
Today · 4.125%
HK$126,136
baseline
▲ 0.50% · 4.625%
HK$132,785
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,272/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,843 · Scale 2, in force from 26 Feb 2026)