LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,904
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,767
−HK$1,893/mo
Today · 4.125%
HK$63,660
baseline
▲ 0.50% · 4.625%
HK$67,534
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,320/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,642
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,430
−HK$1,813/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$73,945
+HK$3,702/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,885
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,121
−HK$2,271/mo
Today · 4.125%
HK$76,392
baseline
▲ 0.50% · 4.625%
HK$81,041
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,784/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,971
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,116
−HK$2,175/mo
Today · 4.125%
HK$84,291
baseline
▲ 0.50% · 4.625%
HK$88,735
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,582/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,474
−HK$2,650/mo
Today · 4.125%
HK$89,124
baseline
▲ 0.50% · 4.625%
HK$94,547
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,248/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,299
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,802
−HK$2,538/mo
Today · 4.125%
HK$98,340
baseline
▲ 0.50% · 4.625%
HK$103,524
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,680/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,827
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,181
−HK$3,407/mo
Today · 4.125%
HK$114,588
baseline
▲ 0.50% · 4.625%
HK$121,561
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,176/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,956
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,173
−HK$3,264/mo
Today · 4.125%
HK$126,437
baseline
▲ 0.50% · 4.625%
HK$133,102
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,874/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,502 · Scale 2, in force from 26 Feb 2026)