LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,877
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,740
−HK$1,892/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$67,504
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,613
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,399
−HK$1,813/mo
Today · 4.125%
HK$70,212
baseline
▲ 0.50% · 4.625%
HK$73,913
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,424/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,853
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,088
−HK$2,271/mo
Today · 4.125%
HK$76,359
baseline
▲ 0.50% · 4.625%
HK$81,005
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,718/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,936
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,079
−HK$2,175/mo
Today · 4.125%
HK$84,254
baseline
▲ 0.50% · 4.625%
HK$88,695
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,508/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,828
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,436
−HK$2,649/mo
Today · 4.125%
HK$89,085
baseline
▲ 0.50% · 4.625%
HK$94,506
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,170/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,258
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,759
−HK$2,538/mo
Today · 4.125%
HK$98,297
baseline
▲ 0.50% · 4.625%
HK$103,478
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,594/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,779
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,132
−HK$3,406/mo
Today · 4.125%
HK$114,538
baseline
▲ 0.50% · 4.625%
HK$121,507
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,076/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,903
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,119
−HK$3,262/mo
Today · 4.125%
HK$126,381
baseline
▲ 0.50% · 4.625%
HK$133,043
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,762/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,010 · Scale 2, in force from 26 Feb 2026)