LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,859
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,891/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$1,115,660 · 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$73,890
+HK$3,700/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$1,115,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,830
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,065
−HK$2,270/mo
Today · 4.125%
HK$76,335
baseline
▲ 0.50% · 4.625%
HK$80,979
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,670/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,910
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,054
−HK$2,174/mo
Today · 4.125%
HK$84,228
baseline
▲ 0.50% · 4.625%
HK$88,668
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,456/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,802
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,409
−HK$2,648/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$1,115,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,229
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,729
−HK$2,537/mo
Today · 4.125%
HK$98,266
baseline
▲ 0.50% · 4.625%
HK$103,446
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,532/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,660 · 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$1,115,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,866
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,080
−HK$3,262/mo
Today · 4.125%
HK$126,342
baseline
▲ 0.50% · 4.625%
HK$133,001
+HK$6,659/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,684/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,660 · Scale 2, in force from 26 Feb 2026)