LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,858
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,720
−HK$1,892/mo
Today · 4.125%
HK$63,612
baseline
▲ 0.50% · 4.625%
HK$67,483
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,224/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,592
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,378
−HK$1,812/mo
Today · 4.125%
HK$70,190
baseline
▲ 0.50% · 4.625%
HK$73,889
+HK$3,699/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,380/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,830
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,064
−HK$2,270/mo
Today · 4.125%
HK$76,334
baseline
▲ 0.50% · 4.625%
HK$80,979
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,668/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,910
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,053
−HK$2,174/mo
Today · 4.125%
HK$84,227
baseline
▲ 0.50% · 4.625%
HK$88,667
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,454/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,802
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,408
−HK$2,649/mo
Today · 4.125%
HK$89,057
baseline
▲ 0.50% · 4.625%
HK$94,476
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,114/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,229
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,536/mo
Today · 4.125%
HK$98,265
baseline
▲ 0.50% · 4.625%
HK$103,445
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,530/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,745
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,097
−HK$3,405/mo
Today · 4.125%
HK$114,502
baseline
▲ 0.50% · 4.625%
HK$121,469
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,004/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,865
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,080
−HK$3,261/mo
Today · 4.125%
HK$126,341
baseline
▲ 0.50% · 4.625%
HK$133,001
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,682/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,656 · Scale 2, in force from 26 Feb 2026)