LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,856
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,718
−HK$1,892/mo
Today · 4.125%
HK$63,610
baseline
▲ 0.50% · 4.625%
HK$67,480
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,220/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,589
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,375
−HK$1,812/mo
Today · 4.125%
HK$70,187
baseline
▲ 0.50% · 4.625%
HK$73,887
+HK$3,700/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,374/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,827
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,062
−HK$2,270/mo
Today · 4.125%
HK$76,332
baseline
▲ 0.50% · 4.625%
HK$80,976
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,664/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,907
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,050
−HK$2,174/mo
Today · 4.125%
HK$84,224
baseline
▲ 0.50% · 4.625%
HK$88,664
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,448/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,799
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,405
−HK$2,648/mo
Today · 4.125%
HK$89,053
baseline
▲ 0.50% · 4.625%
HK$94,472
+HK$5,419/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,106/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,225
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,725
−HK$2,537/mo
Today · 4.125%
HK$98,262
baseline
▲ 0.50% · 4.625%
HK$103,441
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,524/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,741
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$111,092
−HK$3,405/mo
Today · 4.125%
HK$114,497
baseline
▲ 0.50% · 4.625%
HK$121,464
+HK$6,967/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,994/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,861
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,075
−HK$3,261/mo
Today · 4.125%
HK$126,336
baseline
▲ 0.50% · 4.625%
HK$132,996
+HK$6,660/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,672/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,614 · Scale 2, in force from 26 Feb 2026)