LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,838
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,700
−HK$1,891/mo
Today · 4.125%
HK$63,591
baseline
▲ 0.50% · 4.625%
HK$67,460
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,182/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,570
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,355
−HK$1,811/mo
Today · 4.125%
HK$70,166
baseline
▲ 0.50% · 4.625%
HK$73,865
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,332/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,806
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,040
−HK$2,269/mo
Today · 4.125%
HK$76,309
baseline
▲ 0.50% · 4.625%
HK$80,952
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,618/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,883
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,026
−HK$2,173/mo
Today · 4.125%
HK$84,199
baseline
▲ 0.50% · 4.625%
HK$88,638
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,398/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,774
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,379
−HK$2,648/mo
Today · 4.125%
HK$89,027
baseline
▲ 0.50% · 4.625%
HK$94,444
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,054/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,197
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,697
−HK$2,536/mo
Today · 4.125%
HK$98,233
baseline
▲ 0.50% · 4.625%
HK$103,410
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,466/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,709
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,059
−HK$3,404/mo
Today · 4.125%
HK$114,463
baseline
▲ 0.50% · 4.625%
HK$121,428
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,926/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,825
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,039
−HK$3,260/mo
Today · 4.125%
HK$126,299
baseline
▲ 0.50% · 4.625%
HK$132,956
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,598/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,282 · Scale 2, in force from 26 Feb 2026)