LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,850
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,711
−HK$1,892/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$67,473
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,582
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,368
−HK$1,811/mo
Today · 4.125%
HK$70,179
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,358/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,819
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,053
−HK$2,270/mo
Today · 4.125%
HK$76,323
baseline
▲ 0.50% · 4.625%
HK$80,967
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,646/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,898
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,041
−HK$2,174/mo
Today · 4.125%
HK$84,215
baseline
▲ 0.50% · 4.625%
HK$88,654
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,430/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,789
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,396
−HK$2,648/mo
Today · 4.125%
HK$89,044
baseline
▲ 0.50% · 4.625%
HK$94,462
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,088/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,215
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,715
−HK$2,536/mo
Today · 4.125%
HK$98,251
baseline
▲ 0.50% · 4.625%
HK$103,430
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,502/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,729
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,080
−HK$3,405/mo
Today · 4.125%
HK$114,485
baseline
▲ 0.50% · 4.625%
HK$121,451
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,970/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,848
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,062
−HK$3,261/mo
Today · 4.125%
HK$126,323
baseline
▲ 0.50% · 4.625%
HK$132,981
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,646/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,491 · Scale 2, in force from 26 Feb 2026)