LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,838
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,699
−HK$1,891/mo
Today · 4.125%
HK$63,590
baseline
▲ 0.50% · 4.625%
HK$67,459
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,180/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,569
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,354
−HK$1,811/mo
Today · 4.125%
HK$70,165
baseline
▲ 0.50% · 4.625%
HK$73,864
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,330/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,805
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,039
−HK$2,269/mo
Today · 4.125%
HK$76,308
baseline
▲ 0.50% · 4.625%
HK$80,951
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,616/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,882
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,173/mo
Today · 4.125%
HK$84,198
baseline
▲ 0.50% · 4.625%
HK$88,636
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,396/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,773
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,378
−HK$2,648/mo
Today · 4.125%
HK$89,026
baseline
▲ 0.50% · 4.625%
HK$94,443
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,052/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,196
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,535/mo
Today · 4.125%
HK$98,231
baseline
▲ 0.50% · 4.625%
HK$103,409
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,462/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,708
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,058
−HK$3,404/mo
Today · 4.125%
HK$114,462
baseline
▲ 0.50% · 4.625%
HK$121,426
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,924/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,824
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,037
−HK$3,260/mo
Today · 4.125%
HK$126,297
baseline
▲ 0.50% · 4.625%
HK$132,955
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,594/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,267 · Scale 2, in force from 26 Feb 2026)