LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,833
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,694
−HK$1,891/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$67,454
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,563
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,348
−HK$1,811/mo
Today · 4.125%
HK$70,159
baseline
▲ 0.50% · 4.625%
HK$73,857
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,318/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,799
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,032
−HK$2,269/mo
Today · 4.125%
HK$76,301
baseline
▲ 0.50% · 4.625%
HK$80,944
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,602/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,876
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,018
−HK$2,173/mo
Today · 4.125%
HK$84,191
baseline
▲ 0.50% · 4.625%
HK$88,629
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,382/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,766
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,371
−HK$2,647/mo
Today · 4.125%
HK$89,018
baseline
▲ 0.50% · 4.625%
HK$94,435
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,036/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,188
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,688
−HK$2,535/mo
Today · 4.125%
HK$98,223
baseline
▲ 0.50% · 4.625%
HK$103,400
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,446/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,699
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,049
−HK$3,403/mo
Today · 4.125%
HK$114,452
baseline
▲ 0.50% · 4.625%
HK$121,416
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,904/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,814
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,027
−HK$3,260/mo
Today · 4.125%
HK$126,287
baseline
▲ 0.50% · 4.625%
HK$132,943
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,574/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,174 · Scale 2, in force from 26 Feb 2026)