LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,830
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,691
−HK$1,891/mo
Today · 4.125%
HK$63,582
baseline
▲ 0.50% · 4.625%
HK$67,451
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,164/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,560
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,345
−HK$1,811/mo
Today · 4.125%
HK$70,156
baseline
▲ 0.50% · 4.625%
HK$73,854
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,312/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,796
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,029
−HK$2,269/mo
Today · 4.125%
HK$76,298
baseline
▲ 0.50% · 4.625%
HK$80,941
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,596/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,872
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,173/mo
Today · 4.125%
HK$84,188
baseline
▲ 0.50% · 4.625%
HK$88,625
+HK$4,437/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,376/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,762
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,368
−HK$2,647/mo
Today · 4.125%
HK$89,015
baseline
▲ 0.50% · 4.625%
HK$94,431
+HK$5,416/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,030/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,184
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,684
−HK$2,535/mo
Today · 4.125%
HK$98,219
baseline
▲ 0.50% · 4.625%
HK$103,396
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,438/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,694
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,044
−HK$3,403/mo
Today · 4.125%
HK$114,447
baseline
▲ 0.50% · 4.625%
HK$121,411
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,894/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,809
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,022
−HK$3,259/mo
Today · 4.125%
HK$126,281
baseline
▲ 0.50% · 4.625%
HK$132,938
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,562/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,128 · Scale 2, in force from 26 Feb 2026)