LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,778
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,889/mo
Today · 4.125%
HK$63,526
baseline
▲ 0.50% · 4.625%
HK$67,392
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,052/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,502
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,286
−HK$1,809/mo
Today · 4.125%
HK$70,095
baseline
▲ 0.50% · 4.625%
HK$73,790
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,190/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,965
−HK$2,267/mo
Today · 4.125%
HK$76,232
baseline
▲ 0.50% · 4.625%
HK$80,870
+HK$4,638/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,464/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,803
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,943
−HK$2,171/mo
Today · 4.125%
HK$84,114
baseline
▲ 0.50% · 4.625%
HK$88,548
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,228/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,689
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,292
−HK$2,645/mo
Today · 4.125%
HK$88,937
baseline
▲ 0.50% · 4.625%
HK$94,349
+HK$5,412/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,874/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,103
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,600
−HK$2,533/mo
Today · 4.125%
HK$98,133
baseline
▲ 0.50% · 4.625%
HK$103,306
+HK$5,173/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,266/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,600
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,947
−HK$3,401/mo
Today · 4.125%
HK$114,348
baseline
▲ 0.50% · 4.625%
HK$121,305
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,696/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,704
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,914
−HK$3,257/mo
Today · 4.125%
HK$126,171
baseline
▲ 0.50% · 4.625%
HK$132,822
+HK$6,651/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,342/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,155 · Scale 2, in force from 26 Feb 2026)