LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,912
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,893/mo
Today · 4.125%
HK$63,669
baseline
▲ 0.50% · 4.625%
HK$67,543
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,338/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,652
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,439
−HK$1,814/mo
Today · 4.125%
HK$70,253
baseline
▲ 0.50% · 4.625%
HK$73,956
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,506/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,895
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,131
−HK$2,272/mo
Today · 4.125%
HK$76,403
baseline
▲ 0.50% · 4.625%
HK$81,052
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,806/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,982
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,127
−HK$2,176/mo
Today · 4.125%
HK$84,303
baseline
▲ 0.50% · 4.625%
HK$88,747
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,606/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,877
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,651/mo
Today · 4.125%
HK$89,137
baseline
▲ 0.50% · 4.625%
HK$94,561
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,274/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,313
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,539/mo
Today · 4.125%
HK$98,354
baseline
▲ 0.50% · 4.625%
HK$103,538
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,708/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,842
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,197
−HK$3,408/mo
Today · 4.125%
HK$114,605
baseline
▲ 0.50% · 4.625%
HK$121,578
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,210/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,973
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,191
−HK$3,264/mo
Today · 4.125%
HK$126,455
baseline
▲ 0.50% · 4.625%
HK$133,121
+HK$6,666/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,910/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,662 · Scale 2, in force from 26 Feb 2026)