LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,847
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,891/mo
Today · 4.125%
HK$63,600
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,200/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,579
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,365
−HK$1,812/mo
Today · 4.125%
HK$70,177
baseline
▲ 0.50% · 4.625%
HK$73,876
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,354/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$2,269/mo
Today · 4.125%
HK$76,320
baseline
▲ 0.50% · 4.625%
HK$80,964
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,640/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,895
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,038
−HK$2,174/mo
Today · 4.125%
HK$84,212
baseline
▲ 0.50% · 4.625%
HK$88,651
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,424/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,786
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,392
−HK$2,648/mo
Today · 4.125%
HK$89,040
baseline
▲ 0.50% · 4.625%
HK$94,458
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,080/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,211
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,711
−HK$2,536/mo
Today · 4.125%
HK$98,247
baseline
▲ 0.50% · 4.625%
HK$103,426
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,494/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,725
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,076
−HK$3,404/mo
Today · 4.125%
HK$114,480
baseline
▲ 0.50% · 4.625%
HK$121,446
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,960/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,843
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,057
−HK$3,261/mo
Today · 4.125%
HK$126,318
baseline
▲ 0.50% · 4.625%
HK$132,976
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,636/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,449 · Scale 2, in force from 26 Feb 2026)