LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,898
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,893/mo
Today · 4.125%
HK$63,654
baseline
▲ 0.50% · 4.625%
HK$67,528
+HK$3,874/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,308/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,636
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,423
−HK$1,813/mo
Today · 4.125%
HK$70,236
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,472/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,878
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,114
−HK$2,271/mo
Today · 4.125%
HK$76,385
baseline
▲ 0.50% · 4.625%
HK$81,033
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,770/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,963
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,108
−HK$2,175/mo
Today · 4.125%
HK$84,283
baseline
▲ 0.50% · 4.625%
HK$88,726
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,566/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,857
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,466
−HK$2,650/mo
Today · 4.125%
HK$89,116
baseline
▲ 0.50% · 4.625%
HK$94,539
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,232/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,291
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,793
−HK$2,538/mo
Today · 4.125%
HK$98,331
baseline
▲ 0.50% · 4.625%
HK$103,514
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,662/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,817
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,170
−HK$3,408/mo
Today · 4.125%
HK$114,578
baseline
▲ 0.50% · 4.625%
HK$121,550
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,156/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,945
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,162
−HK$3,263/mo
Today · 4.125%
HK$126,425
baseline
▲ 0.50% · 4.625%
HK$133,089
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,850/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,398 · Scale 2, in force from 26 Feb 2026)