LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,864
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,726
−HK$1,892/mo
Today · 4.125%
HK$63,618
baseline
▲ 0.50% · 4.625%
HK$67,489
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,236/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,598
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,385
−HK$1,812/mo
Today · 4.125%
HK$70,197
baseline
▲ 0.50% · 4.625%
HK$73,897
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,394/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,837
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,072
−HK$2,270/mo
Today · 4.125%
HK$76,342
baseline
▲ 0.50% · 4.625%
HK$80,987
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,684/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,918
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,062
−HK$2,174/mo
Today · 4.125%
HK$84,236
baseline
▲ 0.50% · 4.625%
HK$88,676
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,472/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,810
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,649/mo
Today · 4.125%
HK$89,066
baseline
▲ 0.50% · 4.625%
HK$94,485
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,132/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,238
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,738
−HK$2,537/mo
Today · 4.125%
HK$98,275
baseline
▲ 0.50% · 4.625%
HK$103,455
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,550/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,756
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,108
−HK$3,405/mo
Today · 4.125%
HK$114,513
baseline
▲ 0.50% · 4.625%
HK$121,481
+HK$6,968/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,026/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,877
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,092
−HK$3,262/mo
Today · 4.125%
HK$126,354
baseline
▲ 0.50% · 4.625%
HK$133,014
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,708/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,767 · Scale 2, in force from 26 Feb 2026)