LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,819
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,680
−HK$1,891/mo
Today · 4.125%
HK$63,571
baseline
▲ 0.50% · 4.625%
HK$67,439
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,142/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,333
−HK$1,811/mo
Today · 4.125%
HK$70,144
baseline
▲ 0.50% · 4.625%
HK$73,841
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,288/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,783
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,016
−HK$2,269/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,926
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,570/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,858
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,000
−HK$2,173/mo
Today · 4.125%
HK$84,173
baseline
▲ 0.50% · 4.625%
HK$88,610
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,346/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,747
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,352
−HK$2,647/mo
Today · 4.125%
HK$88,999
baseline
▲ 0.50% · 4.625%
HK$94,414
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,998/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,168
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,667
−HK$2,534/mo
Today · 4.125%
HK$98,201
baseline
▲ 0.50% · 4.625%
HK$103,378
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,402/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,675
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,024
−HK$3,403/mo
Today · 4.125%
HK$114,427
baseline
▲ 0.50% · 4.625%
HK$121,390
+HK$6,963/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,854/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,787
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,000
−HK$3,259/mo
Today · 4.125%
HK$126,259
baseline
▲ 0.50% · 4.625%
HK$132,914
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,518/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,930 · Scale 2, in force from 26 Feb 2026)