LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,820
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,681
−HK$1,890/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$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,549
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,334
−HK$1,811/mo
Today · 4.125%
HK$70,145
baseline
▲ 0.50% · 4.625%
HK$73,842
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,290/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,784
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,017
−HK$2,268/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,927
+HK$4,642/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$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,859
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,001
−HK$2,173/mo
Today · 4.125%
HK$84,174
baseline
▲ 0.50% · 4.625%
HK$88,610
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,348/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,748
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,353
−HK$2,647/mo
Today · 4.125%
HK$89,000
baseline
▲ 0.50% · 4.625%
HK$94,415
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$178,000/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,169
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,668
−HK$2,534/mo
Today · 4.125%
HK$98,202
baseline
▲ 0.50% · 4.625%
HK$103,379
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,404/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,676
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,025
−HK$3,403/mo
Today · 4.125%
HK$114,428
baseline
▲ 0.50% · 4.625%
HK$121,391
+HK$6,963/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,856/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,788
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,001
−HK$3,259/mo
Today · 4.125%
HK$126,260
baseline
▲ 0.50% · 4.625%
HK$132,916
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,520/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,941 · Scale 2, in force from 26 Feb 2026)