LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,781
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,640
−HK$1,890/mo
Today · 4.125%
HK$63,530
baseline
▲ 0.50% · 4.625%
HK$67,395
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,060/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,506
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,289
−HK$1,810/mo
Today · 4.125%
HK$70,099
baseline
▲ 0.50% · 4.625%
HK$73,794
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,198/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,737
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,969
−HK$2,267/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,874
+HK$4,638/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,807
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,947
−HK$2,172/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$88,553
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,693
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,297
−HK$2,645/mo
Today · 4.125%
HK$88,942
baseline
▲ 0.50% · 4.625%
HK$94,354
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,884/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,108
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,605
−HK$2,533/mo
Today · 4.125%
HK$98,138
baseline
▲ 0.50% · 4.625%
HK$103,311
+HK$5,173/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,276/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,606
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,953
−HK$3,401/mo
Today · 4.125%
HK$114,354
baseline
▲ 0.50% · 4.625%
HK$121,312
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,708/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,710
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,921
−HK$3,257/mo
Today · 4.125%
HK$126,178
baseline
▲ 0.50% · 4.625%
HK$132,829
+HK$6,651/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,356/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,213 · Scale 2, in force from 26 Feb 2026)