LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,845
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,707
−HK$1,891/mo
Today · 4.125%
HK$63,598
baseline
▲ 0.50% · 4.625%
HK$67,468
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,196/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,577
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,363
−HK$1,811/mo
Today · 4.125%
HK$70,174
baseline
▲ 0.50% · 4.625%
HK$73,873
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,348/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,814
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,048
−HK$2,270/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,962
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,893
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,035
−HK$2,174/mo
Today · 4.125%
HK$84,209
baseline
▲ 0.50% · 4.625%
HK$88,648
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,418/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,783
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,390
−HK$2,647/mo
Today · 4.125%
HK$89,037
baseline
▲ 0.50% · 4.625%
HK$94,455
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,074/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,208
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,708
−HK$2,536/mo
Today · 4.125%
HK$98,244
baseline
▲ 0.50% · 4.625%
HK$103,423
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,488/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,722
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,072
−HK$3,405/mo
Today · 4.125%
HK$114,477
baseline
▲ 0.50% · 4.625%
HK$121,442
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,954/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,839
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,053
−HK$3,261/mo
Today · 4.125%
HK$126,314
baseline
▲ 0.50% · 4.625%
HK$132,972
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,628/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,413 · Scale 2, in force from 26 Feb 2026)