LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,870
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,732
−HK$1,893/mo
Today · 4.125%
HK$63,625
baseline
▲ 0.50% · 4.625%
HK$67,496
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,250/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,605
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,391
−HK$1,812/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$73,904
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,844
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,079
−HK$2,270/mo
Today · 4.125%
HK$76,349
baseline
▲ 0.50% · 4.625%
HK$80,995
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,698/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,926
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,070
−HK$2,174/mo
Today · 4.125%
HK$84,244
baseline
▲ 0.50% · 4.625%
HK$88,685
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,488/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,818
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,425
−HK$2,649/mo
Today · 4.125%
HK$89,074
baseline
▲ 0.50% · 4.625%
HK$94,494
+HK$5,420/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,148/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,247
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,748
−HK$2,537/mo
Today · 4.125%
HK$98,285
baseline
▲ 0.50% · 4.625%
HK$103,465
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,570/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,766
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,118
−HK$3,406/mo
Today · 4.125%
HK$114,524
baseline
▲ 0.50% · 4.625%
HK$121,493
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,048/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,889
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,104
−HK$3,262/mo
Today · 4.125%
HK$126,366
baseline
▲ 0.50% · 4.625%
HK$133,027
+HK$6,661/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,732/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,876 · Scale 2, in force from 26 Feb 2026)