LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,893/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,525
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,633
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$1,812/mo
Today · 4.125%
HK$70,233
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$3,703/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,466/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,875
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$2,271/mo
Today · 4.125%
HK$76,382
baseline
▲ 0.50% · 4.625%
HK$81,030
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,764/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,960
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,105
−HK$2,175/mo
Today · 4.125%
HK$84,280
baseline
▲ 0.50% · 4.625%
HK$88,723
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,560/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,854
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,462
−HK$2,650/mo
Today · 4.125%
HK$89,112
baseline
▲ 0.50% · 4.625%
HK$94,535
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,224/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,287
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,789
−HK$2,538/mo
Today · 4.125%
HK$98,327
baseline
▲ 0.50% · 4.625%
HK$103,510
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,654/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,812
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,166
−HK$3,407/mo
Today · 4.125%
HK$114,573
baseline
▲ 0.50% · 4.625%
HK$121,545
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,146/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,940
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,157
−HK$3,263/mo
Today · 4.125%
HK$126,420
baseline
▲ 0.50% · 4.625%
HK$133,084
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,840/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,353 · Scale 2, in force from 26 Feb 2026)