LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,871
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,733
−HK$1,893/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$67,497
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,252/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,606
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,392
−HK$1,813/mo
Today · 4.125%
HK$70,205
baseline
▲ 0.50% · 4.625%
HK$73,905
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,410/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,845
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,080
−HK$2,271/mo
Today · 4.125%
HK$76,351
baseline
▲ 0.50% · 4.625%
HK$80,996
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,702/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,927
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,071
−HK$2,174/mo
Today · 4.125%
HK$84,245
baseline
▲ 0.50% · 4.625%
HK$88,686
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,490/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,820
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,427
−HK$2,649/mo
Today · 4.125%
HK$89,076
baseline
▲ 0.50% · 4.625%
HK$94,496
+HK$5,420/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,152/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,248
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,749
−HK$2,537/mo
Today · 4.125%
HK$98,286
baseline
▲ 0.50% · 4.625%
HK$103,467
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,572/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,768
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,120
−HK$3,406/mo
Today · 4.125%
HK$114,526
baseline
▲ 0.50% · 4.625%
HK$121,495
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,052/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,891
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,106
−HK$3,262/mo
Today · 4.125%
HK$126,368
baseline
▲ 0.50% · 4.625%
HK$133,029
+HK$6,661/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,736/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,894 · Scale 2, in force from 26 Feb 2026)