LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,860
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,722
−HK$1,892/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$67,484
+HK$3,870/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,594
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$1,811/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$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,832
−HK$4,504/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$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,912
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,174/mo
Today · 4.125%
HK$84,230
baseline
▲ 0.50% · 4.625%
HK$88,670
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,460/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,804
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,411
−HK$2,648/mo
Today · 4.125%
HK$89,059
baseline
▲ 0.50% · 4.625%
HK$94,478
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,118/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,231
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,731
−HK$2,537/mo
Today · 4.125%
HK$98,268
baseline
▲ 0.50% · 4.625%
HK$103,448
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,536/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,748
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,100
−HK$3,405/mo
Today · 4.125%
HK$114,505
baseline
▲ 0.50% · 4.625%
HK$121,472
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,010/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,869
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,083
−HK$3,262/mo
Today · 4.125%
HK$126,345
baseline
▲ 0.50% · 4.625%
HK$133,004
+HK$6,659/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,690/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,686 · Scale 2, in force from 26 Feb 2026)