LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,908
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,772
−HK$1,893/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,647
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,435
−HK$1,813/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$73,951
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,890
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,126
−HK$2,272/mo
Today · 4.125%
HK$76,398
baseline
▲ 0.50% · 4.625%
HK$81,047
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,796/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,977
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,122
−HK$2,176/mo
Today · 4.125%
HK$84,298
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,596/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,872
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,480
−HK$2,651/mo
Today · 4.125%
HK$89,131
baseline
▲ 0.50% · 4.625%
HK$94,555
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,262/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,306
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,809
−HK$2,538/mo
Today · 4.125%
HK$98,347
baseline
▲ 0.50% · 4.625%
HK$103,531
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,694/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,835
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,189
−HK$3,408/mo
Today · 4.125%
HK$114,597
baseline
▲ 0.50% · 4.625%
HK$121,570
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,194/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,965
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,183
−HK$3,264/mo
Today · 4.125%
HK$126,447
baseline
▲ 0.50% · 4.625%
HK$133,112
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,894/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,586 · Scale 2, in force from 26 Feb 2026)