LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,852
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,714
−HK$1,891/mo
Today · 4.125%
HK$63,605
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,210/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,585
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,370
−HK$1,812/mo
Today · 4.125%
HK$70,182
baseline
▲ 0.50% · 4.625%
HK$73,881
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,364/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,822
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,056
−HK$2,270/mo
Today · 4.125%
HK$76,326
baseline
▲ 0.50% · 4.625%
HK$80,970
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,652/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,902
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,045
−HK$2,173/mo
Today · 4.125%
HK$84,218
baseline
▲ 0.50% · 4.625%
HK$88,658
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,436/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,793
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,399
−HK$2,648/mo
Today · 4.125%
HK$89,047
baseline
▲ 0.50% · 4.625%
HK$94,466
+HK$5,419/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,094/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,219
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,719
−HK$2,536/mo
Today · 4.125%
HK$98,255
baseline
▲ 0.50% · 4.625%
HK$103,434
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,510/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,733
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,085
−HK$3,404/mo
Today · 4.125%
HK$114,489
baseline
▲ 0.50% · 4.625%
HK$121,456
+HK$6,967/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,978/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,852
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,067
−HK$3,261/mo
Today · 4.125%
HK$126,328
baseline
▲ 0.50% · 4.625%
HK$132,987
+HK$6,659/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,656/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,536 · Scale 2, in force from 26 Feb 2026)