LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,889
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,893/mo
Today · 4.125%
HK$63,645
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,290/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$1,813/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$73,927
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,452/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,103
−HK$2,271/mo
Today · 4.125%
HK$76,374
baseline
▲ 0.50% · 4.625%
HK$81,021
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,748/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,096
−HK$2,175/mo
Today · 4.125%
HK$84,271
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,542/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,845
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,453
−HK$2,650/mo
Today · 4.125%
HK$89,103
baseline
▲ 0.50% · 4.625%
HK$94,524
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,206/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,277
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,538/mo
Today · 4.125%
HK$98,316
baseline
▲ 0.50% · 4.625%
HK$103,498
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,632/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,801
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,154
−HK$3,407/mo
Today · 4.125%
HK$114,561
baseline
▲ 0.50% · 4.625%
HK$121,531
+HK$6,970/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,122/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,927
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,143
−HK$3,263/mo
Today · 4.125%
HK$126,406
baseline
▲ 0.50% · 4.625%
HK$133,069
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,812/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,231 · Scale 2, in force from 26 Feb 2026)