LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,914
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,778
−HK$1,893/mo
Today · 4.125%
HK$63,671
baseline
▲ 0.50% · 4.625%
HK$67,545
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,342/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,654
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,441
−HK$1,814/mo
Today · 4.125%
HK$70,255
baseline
▲ 0.50% · 4.625%
HK$73,958
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,510/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,897
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,133
−HK$2,272/mo
Today · 4.125%
HK$76,405
baseline
▲ 0.50% · 4.625%
HK$81,054
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,810/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,984
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,129
−HK$2,177/mo
Today · 4.125%
HK$84,306
baseline
▲ 0.50% · 4.625%
HK$88,750
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,612/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,879
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,489
−HK$2,650/mo
Today · 4.125%
HK$89,139
baseline
▲ 0.50% · 4.625%
HK$94,563
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,278/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,315
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,818
−HK$2,539/mo
Today · 4.125%
HK$98,357
baseline
▲ 0.50% · 4.625%
HK$103,541
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,714/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,845
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,200
−HK$3,408/mo
Today · 4.125%
HK$114,608
baseline
▲ 0.50% · 4.625%
HK$121,581
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,216/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,977
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,194
−HK$3,264/mo
Today · 4.125%
HK$126,458
baseline
▲ 0.50% · 4.625%
HK$133,124
+HK$6,666/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,916/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,691 · Scale 2, in force from 26 Feb 2026)