LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,793
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,889/mo
Today · 4.125%
HK$63,542
baseline
▲ 0.50% · 4.625%
HK$67,409
+HK$3,867/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$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,519
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,303
−HK$1,810/mo
Today · 4.125%
HK$70,113
baseline
▲ 0.50% · 4.625%
HK$73,808
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,226/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,751
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,983
−HK$2,268/mo
Today · 4.125%
HK$76,251
baseline
▲ 0.50% · 4.625%
HK$80,890
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,502/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,823
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,172/mo
Today · 4.125%
HK$84,135
baseline
▲ 0.50% · 4.625%
HK$88,570
+HK$4,435/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$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,710
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,314
−HK$2,645/mo
Today · 4.125%
HK$88,959
baseline
▲ 0.50% · 4.625%
HK$94,372
+HK$5,413/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$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,126
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,624
−HK$2,534/mo
Today · 4.125%
HK$98,158
baseline
▲ 0.50% · 4.625%
HK$103,332
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,316/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,627
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,975
−HK$3,401/mo
Today · 4.125%
HK$114,376
baseline
▲ 0.50% · 4.625%
HK$121,335
+HK$6,959/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,752/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,734
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,945
−HK$3,258/mo
Today · 4.125%
HK$126,203
baseline
▲ 0.50% · 4.625%
HK$132,855
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,406/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,432 · Scale 2, in force from 26 Feb 2026)