LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,849
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,710
−HK$1,892/mo
Today · 4.125%
HK$63,602
baseline
▲ 0.50% · 4.625%
HK$67,472
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,204/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,581
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$1,811/mo
Today · 4.125%
HK$70,178
baseline
▲ 0.50% · 4.625%
HK$73,877
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,356/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,818
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,052
−HK$2,270/mo
Today · 4.125%
HK$76,322
baseline
▲ 0.50% · 4.625%
HK$80,966
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,644/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,897
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,040
−HK$2,174/mo
Today · 4.125%
HK$84,214
baseline
▲ 0.50% · 4.625%
HK$88,653
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,428/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,788
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,394
−HK$2,648/mo
Today · 4.125%
HK$89,042
baseline
▲ 0.50% · 4.625%
HK$94,460
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,084/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,213
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,713
−HK$2,536/mo
Today · 4.125%
HK$98,249
baseline
▲ 0.50% · 4.625%
HK$103,428
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,498/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,727
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,078
−HK$3,405/mo
Today · 4.125%
HK$114,483
baseline
▲ 0.50% · 4.625%
HK$121,449
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,966/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,846
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,060
−HK$3,261/mo
Today · 4.125%
HK$126,321
baseline
▲ 0.50% · 4.625%
HK$132,979
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,642/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,473 · Scale 2, in force from 26 Feb 2026)