LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,854
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,715
−HK$1,892/mo
Today · 4.125%
HK$63,607
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,214/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,587
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,372
−HK$1,812/mo
Today · 4.125%
HK$70,184
baseline
▲ 0.50% · 4.625%
HK$73,884
+HK$3,700/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,368/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,824
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,059
−HK$2,269/mo
Today · 4.125%
HK$76,328
baseline
▲ 0.50% · 4.625%
HK$80,973
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,656/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,904
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,047
−HK$2,174/mo
Today · 4.125%
HK$84,221
baseline
▲ 0.50% · 4.625%
HK$88,660
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,442/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,402
−HK$2,648/mo
Today · 4.125%
HK$89,050
baseline
▲ 0.50% · 4.625%
HK$94,468
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,100/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,221
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,721
−HK$2,537/mo
Today · 4.125%
HK$98,258
baseline
▲ 0.50% · 4.625%
HK$103,437
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,516/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,737
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,088
−HK$3,405/mo
Today · 4.125%
HK$114,493
baseline
▲ 0.50% · 4.625%
HK$121,459
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,986/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,856
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,070
−HK$3,261/mo
Today · 4.125%
HK$126,331
baseline
▲ 0.50% · 4.625%
HK$132,990
+HK$6,659/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,662/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,568 · Scale 2, in force from 26 Feb 2026)