LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,817
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,677
−HK$1,891/mo
Today · 4.125%
HK$63,568
baseline
▲ 0.50% · 4.625%
HK$67,436
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,136/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,545
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,330
−HK$1,811/mo
Today · 4.125%
HK$70,141
baseline
▲ 0.50% · 4.625%
HK$73,838
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,282/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,780
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,013
−HK$2,268/mo
Today · 4.125%
HK$76,281
baseline
▲ 0.50% · 4.625%
HK$80,923
+HK$4,642/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,562/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,854
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$81,996
−HK$2,173/mo
Today · 4.125%
HK$84,169
baseline
▲ 0.50% · 4.625%
HK$88,605
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,338/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,348
−HK$2,647/mo
Today · 4.125%
HK$88,995
baseline
▲ 0.50% · 4.625%
HK$94,410
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,990/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,164
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,662
−HK$2,535/mo
Today · 4.125%
HK$98,197
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,394/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,670
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,019
−HK$3,403/mo
Today · 4.125%
HK$114,422
baseline
▲ 0.50% · 4.625%
HK$121,384
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,844/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,782
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,994
−HK$3,259/mo
Today · 4.125%
HK$126,253
baseline
▲ 0.50% · 4.625%
HK$132,908
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,506/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,878 · Scale 2, in force from 26 Feb 2026)