LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,902
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,766
−HK$1,893/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,532
+HK$3,873/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,641
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,428
−HK$1,813/mo
Today · 4.125%
HK$70,241
baseline
▲ 0.50% · 4.625%
HK$73,944
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,482/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,883
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,119
−HK$2,272/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,969
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,114
−HK$2,176/mo
Today · 4.125%
HK$84,290
baseline
▲ 0.50% · 4.625%
HK$88,733
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,580/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,863
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,472
−HK$2,650/mo
Today · 4.125%
HK$89,122
baseline
▲ 0.50% · 4.625%
HK$94,545
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,244/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,297
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,799
−HK$2,539/mo
Today · 4.125%
HK$98,338
baseline
▲ 0.50% · 4.625%
HK$103,521
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,676/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,824
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,178
−HK$3,408/mo
Today · 4.125%
HK$114,586
baseline
▲ 0.50% · 4.625%
HK$121,558
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,172/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,954
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,171
−HK$3,263/mo
Today · 4.125%
HK$126,434
baseline
▲ 0.50% · 4.625%
HK$133,099
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,868/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,478 · Scale 2, in force from 26 Feb 2026)