LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,840
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,701
−HK$1,891/mo
Today · 4.125%
HK$63,592
baseline
▲ 0.50% · 4.625%
HK$67,462
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,184/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,571
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$1,811/mo
Today · 4.125%
HK$70,168
baseline
▲ 0.50% · 4.625%
HK$73,866
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,336/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,808
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,041
−HK$2,270/mo
Today · 4.125%
HK$76,311
baseline
▲ 0.50% · 4.625%
HK$80,954
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,622/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,885
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,028
−HK$2,173/mo
Today · 4.125%
HK$84,201
baseline
▲ 0.50% · 4.625%
HK$88,640
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,402/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,776
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,382
−HK$2,647/mo
Today · 4.125%
HK$89,029
baseline
▲ 0.50% · 4.625%
HK$94,446
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,058/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,200
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,699
−HK$2,536/mo
Today · 4.125%
HK$98,235
baseline
▲ 0.50% · 4.625%
HK$103,413
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,470/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,712
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,062
−HK$3,404/mo
Today · 4.125%
HK$114,466
baseline
▲ 0.50% · 4.625%
HK$121,431
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,932/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,828
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,042
−HK$3,260/mo
Today · 4.125%
HK$126,302
baseline
▲ 0.50% · 4.625%
HK$132,960
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,604/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,310 · Scale 2, in force from 26 Feb 2026)