LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,848
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,709
−HK$1,892/mo
Today · 4.125%
HK$63,601
baseline
▲ 0.50% · 4.625%
HK$67,471
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,202/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,580
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,366
−HK$1,811/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$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,817
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$2,270/mo
Today · 4.125%
HK$76,321
baseline
▲ 0.50% · 4.625%
HK$80,965
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,642/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,896
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,039
−HK$2,174/mo
Today · 4.125%
HK$84,213
baseline
▲ 0.50% · 4.625%
HK$88,652
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,426/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,787
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,393
−HK$2,648/mo
Today · 4.125%
HK$89,041
baseline
▲ 0.50% · 4.625%
HK$94,459
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,082/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,212
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,712
−HK$2,536/mo
Today · 4.125%
HK$98,248
baseline
▲ 0.50% · 4.625%
HK$103,427
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,496/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,726
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,077
−HK$3,405/mo
Today · 4.125%
HK$114,482
baseline
▲ 0.50% · 4.625%
HK$121,447
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,964/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,844
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,058
−HK$3,261/mo
Today · 4.125%
HK$126,319
baseline
▲ 0.50% · 4.625%
HK$132,977
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,638/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,460 · Scale 2, in force from 26 Feb 2026)