LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,872
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,892/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$67,498
+HK$3,872/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$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,606
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,393
−HK$1,812/mo
Today · 4.125%
HK$70,205
baseline
▲ 0.50% · 4.625%
HK$73,906
+HK$3,701/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$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,846
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,081
−HK$2,270/mo
Today · 4.125%
HK$76,351
baseline
▲ 0.50% · 4.625%
HK$80,997
+HK$4,646/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$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,928
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,071
−HK$2,175/mo
Today · 4.125%
HK$84,246
baseline
▲ 0.50% · 4.625%
HK$88,687
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,492/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,902 · 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$94,497
+HK$5,421/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$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,249
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,750
−HK$2,537/mo
Today · 4.125%
HK$98,287
baseline
▲ 0.50% · 4.625%
HK$103,468
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,574/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,769
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,121
−HK$3,406/mo
Today · 4.125%
HK$114,527
baseline
▲ 0.50% · 4.625%
HK$121,496
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,054/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,892
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,107
−HK$3,262/mo
Today · 4.125%
HK$126,369
baseline
▲ 0.50% · 4.625%
HK$133,030
+HK$6,661/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,738/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,902 · Scale 2, in force from 26 Feb 2026)