LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,893
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,756
−HK$1,892/mo
Today · 4.125%
HK$63,648
baseline
▲ 0.50% · 4.625%
HK$67,521
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,296/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,630
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,417
−HK$1,813/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$73,932
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,871
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,107
−HK$2,271/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$81,026
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,956
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,100
−HK$2,176/mo
Today · 4.125%
HK$84,276
baseline
▲ 0.50% · 4.625%
HK$88,718
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,552/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,850
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,458
−HK$2,650/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$94,530
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,282
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,784
−HK$2,538/mo
Today · 4.125%
HK$98,322
baseline
▲ 0.50% · 4.625%
HK$103,504
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,644/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,807
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,160
−HK$3,407/mo
Today · 4.125%
HK$114,567
baseline
▲ 0.50% · 4.625%
HK$121,538
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,134/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,934
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,150
−HK$3,264/mo
Today · 4.125%
HK$126,414
baseline
▲ 0.50% · 4.625%
HK$133,077
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,828/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,294 · Scale 2, in force from 26 Feb 2026)