LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,829
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,690
−HK$1,891/mo
Today · 4.125%
HK$63,581
baseline
▲ 0.50% · 4.625%
HK$67,450
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,162/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,559
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,344
−HK$1,811/mo
Today · 4.125%
HK$70,155
baseline
▲ 0.50% · 4.625%
HK$73,853
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,310/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,795
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,028
−HK$2,269/mo
Today · 4.125%
HK$76,297
baseline
▲ 0.50% · 4.625%
HK$80,940
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,594/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,871
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,013
−HK$2,173/mo
Today · 4.125%
HK$84,186
baseline
▲ 0.50% · 4.625%
HK$88,624
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,372/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,761
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,366
−HK$2,647/mo
Today · 4.125%
HK$89,013
baseline
▲ 0.50% · 4.625%
HK$94,430
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,026/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,183
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,682
−HK$2,535/mo
Today · 4.125%
HK$98,217
baseline
▲ 0.50% · 4.625%
HK$103,395
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,434/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,692
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,042
−HK$3,404/mo
Today · 4.125%
HK$114,446
baseline
▲ 0.50% · 4.625%
HK$121,409
+HK$6,963/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,892/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,807
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,020
−HK$3,260/mo
Today · 4.125%
HK$126,280
baseline
▲ 0.50% · 4.625%
HK$132,936
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,560/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,111 · Scale 2, in force from 26 Feb 2026)