LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,792
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,652
−HK$1,890/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$67,408
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,084/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,518
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,302
−HK$1,810/mo
Today · 4.125%
HK$70,112
baseline
▲ 0.50% · 4.625%
HK$73,808
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,224/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,751
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,983
−HK$2,267/mo
Today · 4.125%
HK$76,250
baseline
▲ 0.50% · 4.625%
HK$80,890
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,500/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,822
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,172/mo
Today · 4.125%
HK$84,135
baseline
▲ 0.50% · 4.625%
HK$88,569
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,270/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,709
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,313
−HK$2,646/mo
Today · 4.125%
HK$88,959
baseline
▲ 0.50% · 4.625%
HK$94,371
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,918/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,126
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,623
−HK$2,534/mo
Today · 4.125%
HK$98,157
baseline
▲ 0.50% · 4.625%
HK$103,331
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,314/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,626
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,974
−HK$3,401/mo
Today · 4.125%
HK$114,375
baseline
▲ 0.50% · 4.625%
HK$121,335
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,750/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,733
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,944
−HK$3,258/mo
Today · 4.125%
HK$126,202
baseline
▲ 0.50% · 4.625%
HK$132,854
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,404/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,425 · Scale 2, in force from 26 Feb 2026)