LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,859
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,892/mo
Today · 4.125%
HK$63,613
baseline
▲ 0.50% · 4.625%
HK$67,484
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,226/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,593
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,379
−HK$1,812/mo
Today · 4.125%
HK$70,191
baseline
▲ 0.50% · 4.625%
HK$73,891
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,382/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,831
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,066
−HK$2,270/mo
Today · 4.125%
HK$76,336
baseline
▲ 0.50% · 4.625%
HK$80,981
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,672/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,912
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,055
−HK$2,174/mo
Today · 4.125%
HK$84,229
baseline
▲ 0.50% · 4.625%
HK$88,669
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,458/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,803
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,410
−HK$2,648/mo
Today · 4.125%
HK$89,058
baseline
▲ 0.50% · 4.625%
HK$94,477
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,116/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,230
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,731
−HK$2,536/mo
Today · 4.125%
HK$98,267
baseline
▲ 0.50% · 4.625%
HK$103,447
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,534/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,747
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,099
−HK$3,405/mo
Today · 4.125%
HK$114,504
baseline
▲ 0.50% · 4.625%
HK$121,471
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,008/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,867
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,082
−HK$3,261/mo
Today · 4.125%
HK$126,343
baseline
▲ 0.50% · 4.625%
HK$133,003
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,686/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,676 · Scale 2, in force from 26 Feb 2026)