LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,780
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,639
−HK$1,890/mo
Today · 4.125%
HK$63,529
baseline
▲ 0.50% · 4.625%
HK$67,394
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,058/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,505
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,288
−HK$1,810/mo
Today · 4.125%
HK$70,098
baseline
▲ 0.50% · 4.625%
HK$73,793
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,196/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,736
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,967
−HK$2,267/mo
Today · 4.125%
HK$76,234
baseline
▲ 0.50% · 4.625%
HK$80,873
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,468/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,805
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,946
−HK$2,171/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$88,551
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,692
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,295
−HK$2,645/mo
Today · 4.125%
HK$88,940
baseline
▲ 0.50% · 4.625%
HK$94,352
+HK$5,412/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,880/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,106
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,603
−HK$2,534/mo
Today · 4.125%
HK$98,137
baseline
▲ 0.50% · 4.625%
HK$103,310
+HK$5,173/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,274/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,604
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,951
−HK$3,401/mo
Today · 4.125%
HK$114,352
baseline
▲ 0.50% · 4.625%
HK$121,310
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,704/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,708
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,919
−HK$3,257/mo
Today · 4.125%
HK$126,176
baseline
▲ 0.50% · 4.625%
HK$132,827
+HK$6,651/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,352/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,194 · Scale 2, in force from 26 Feb 2026)