LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,886
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,893/mo
Today · 4.125%
HK$63,641
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,282/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,409
−HK$1,812/mo
Today · 4.125%
HK$70,221
baseline
▲ 0.50% · 4.625%
HK$73,923
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,442/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,863
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,098
−HK$2,271/mo
Today · 4.125%
HK$76,369
baseline
▲ 0.50% · 4.625%
HK$81,016
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,738/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,947
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,091
−HK$2,175/mo
Today · 4.125%
HK$84,266
baseline
▲ 0.50% · 4.625%
HK$88,708
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,532/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,840
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,448
−HK$2,649/mo
Today · 4.125%
HK$89,097
baseline
▲ 0.50% · 4.625%
HK$94,519
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,194/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,271
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,772
−HK$2,538/mo
Today · 4.125%
HK$98,310
baseline
▲ 0.50% · 4.625%
HK$103,492
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,620/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,794
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,147
−HK$3,407/mo
Today · 4.125%
HK$114,554
baseline
▲ 0.50% · 4.625%
HK$121,524
+HK$6,970/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,108/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,920
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,136
−HK$3,263/mo
Today · 4.125%
HK$126,399
baseline
▲ 0.50% · 4.625%
HK$133,061
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,798/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,163 · Scale 2, in force from 26 Feb 2026)