LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,851
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,713
−HK$1,891/mo
Today · 4.125%
HK$63,604
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,871/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,208/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,584
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,370
−HK$1,811/mo
Today · 4.125%
HK$70,181
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$3,700/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,362/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,821
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$2,269/mo
Today · 4.125%
HK$76,325
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,650/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,901
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,044
−HK$2,173/mo
Today · 4.125%
HK$84,217
baseline
▲ 0.50% · 4.625%
HK$88,657
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,434/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,792
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,648/mo
Today · 4.125%
HK$89,046
baseline
▲ 0.50% · 4.625%
HK$94,464
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,092/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,217
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,717
−HK$2,537/mo
Today · 4.125%
HK$98,254
baseline
▲ 0.50% · 4.625%
HK$103,433
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,508/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,732
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,083
−HK$3,405/mo
Today · 4.125%
HK$114,488
baseline
▲ 0.50% · 4.625%
HK$121,454
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,976/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,851
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,065
−HK$3,261/mo
Today · 4.125%
HK$126,326
baseline
▲ 0.50% · 4.625%
HK$132,985
+HK$6,659/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,652/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,523 · Scale 2, in force from 26 Feb 2026)