LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,814
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,890/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$67,433
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,542
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,327
−HK$1,811/mo
Today · 4.125%
HK$70,138
baseline
▲ 0.50% · 4.625%
HK$73,835
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,276/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,009
−HK$2,269/mo
Today · 4.125%
HK$76,278
baseline
▲ 0.50% · 4.625%
HK$80,919
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,556/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,851
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,992
−HK$2,173/mo
Today · 4.125%
HK$84,165
baseline
▲ 0.50% · 4.625%
HK$88,601
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,330/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,740
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,344
−HK$2,647/mo
Today · 4.125%
HK$88,991
baseline
▲ 0.50% · 4.625%
HK$94,406
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,982/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,159
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,658
−HK$2,535/mo
Today · 4.125%
HK$98,193
baseline
▲ 0.50% · 4.625%
HK$103,368
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,386/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,665
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,014
−HK$3,403/mo
Today · 4.125%
HK$114,417
baseline
▲ 0.50% · 4.625%
HK$121,379
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,834/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,776
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$122,989
−HK$3,259/mo
Today · 4.125%
HK$126,248
baseline
▲ 0.50% · 4.625%
HK$132,902
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,496/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,829 · Scale 2, in force from 26 Feb 2026)