LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,876
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,739
−HK$1,892/mo
Today · 4.125%
HK$63,631
baseline
▲ 0.50% · 4.625%
HK$67,503
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,262/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,611
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,398
−HK$1,812/mo
Today · 4.125%
HK$70,210
baseline
▲ 0.50% · 4.625%
HK$73,911
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,420/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,851
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,086
−HK$2,271/mo
Today · 4.125%
HK$76,357
baseline
▲ 0.50% · 4.625%
HK$81,003
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,714/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,934
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,078
−HK$2,174/mo
Today · 4.125%
HK$84,252
baseline
▲ 0.50% · 4.625%
HK$88,693
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,504/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,826
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,434
−HK$2,649/mo
Today · 4.125%
HK$89,083
baseline
▲ 0.50% · 4.625%
HK$94,504
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,166/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,256
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,757
−HK$2,537/mo
Today · 4.125%
HK$98,294
baseline
▲ 0.50% · 4.625%
HK$103,476
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,588/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,777
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,129
−HK$3,406/mo
Today · 4.125%
HK$114,535
baseline
▲ 0.50% · 4.625%
HK$121,505
+HK$6,970/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,070/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,901
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,116
−HK$3,263/mo
Today · 4.125%
HK$126,379
baseline
▲ 0.50% · 4.625%
HK$133,040
+HK$6,661/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,758/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,985 · Scale 2, in force from 26 Feb 2026)