LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,798
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,890/mo
Today · 4.125%
HK$63,548
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,096/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,525
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,309
−HK$1,810/mo
Today · 4.125%
HK$70,119
baseline
▲ 0.50% · 4.625%
HK$73,815
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,238/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,758
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,990
−HK$2,268/mo
Today · 4.125%
HK$76,258
baseline
▲ 0.50% · 4.625%
HK$80,898
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,516/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,830
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,971
−HK$2,172/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$88,578
+HK$4,435/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,718
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,645/mo
Today · 4.125%
HK$88,967
baseline
▲ 0.50% · 4.625%
HK$94,381
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,934/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,135
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,633
−HK$2,534/mo
Today · 4.125%
HK$98,167
baseline
▲ 0.50% · 4.625%
HK$103,341
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,334/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,637
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,985
−HK$3,402/mo
Today · 4.125%
HK$114,387
baseline
▲ 0.50% · 4.625%
HK$121,347
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,774/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,745
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,956
−HK$3,258/mo
Today · 4.125%
HK$126,214
baseline
▲ 0.50% · 4.625%
HK$132,867
+HK$6,653/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,428/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,535 · Scale 2, in force from 26 Feb 2026)