LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,888
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,893/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$67,516
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,625
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,412
−HK$1,813/mo
Today · 4.125%
HK$70,225
baseline
▲ 0.50% · 4.625%
HK$73,926
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,450/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,866
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,101
−HK$2,272/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$81,020
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,950
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,094
−HK$2,176/mo
Today · 4.125%
HK$84,270
baseline
▲ 0.50% · 4.625%
HK$88,712
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,540/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,844
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,452
−HK$2,649/mo
Today · 4.125%
HK$89,101
baseline
▲ 0.50% · 4.625%
HK$94,523
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,202/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,275
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,777
−HK$2,538/mo
Today · 4.125%
HK$98,315
baseline
▲ 0.50% · 4.625%
HK$103,497
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,630/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,799
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,152
−HK$3,407/mo
Today · 4.125%
HK$114,559
baseline
▲ 0.50% · 4.625%
HK$121,529
+HK$6,970/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,118/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,925
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,142
−HK$3,262/mo
Today · 4.125%
HK$126,404
baseline
▲ 0.50% · 4.625%
HK$133,067
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,808/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,214 · Scale 2, in force from 26 Feb 2026)