LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,897
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,893/mo
Today · 4.125%
HK$63,653
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,306/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,635
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,422
−HK$1,813/mo
Today · 4.125%
HK$70,235
baseline
▲ 0.50% · 4.625%
HK$73,937
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,470/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,876
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,112
−HK$2,271/mo
Today · 4.125%
HK$76,383
baseline
▲ 0.50% · 4.625%
HK$81,031
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,766/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,962
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,106
−HK$2,176/mo
Today · 4.125%
HK$84,282
baseline
▲ 0.50% · 4.625%
HK$88,724
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,564/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,856
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,464
−HK$2,650/mo
Today · 4.125%
HK$89,114
baseline
▲ 0.50% · 4.625%
HK$94,536
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,228/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,288
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,790
−HK$2,539/mo
Today · 4.125%
HK$98,329
baseline
▲ 0.50% · 4.625%
HK$103,512
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,658/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,814
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,168
−HK$3,407/mo
Today · 4.125%
HK$114,575
baseline
▲ 0.50% · 4.625%
HK$121,547
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,150/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,942
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,159
−HK$3,263/mo
Today · 4.125%
HK$126,422
baseline
▲ 0.50% · 4.625%
HK$133,086
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,844/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,372 · Scale 2, in force from 26 Feb 2026)