LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,916
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,780
−HK$1,894/mo
Today · 4.125%
HK$63,674
baseline
▲ 0.50% · 4.625%
HK$67,548
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,348/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,656
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,444
−HK$1,814/mo
Today · 4.125%
HK$70,258
baseline
▲ 0.50% · 4.625%
HK$73,961
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,516/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,900
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,136
−HK$2,272/mo
Today · 4.125%
HK$76,408
baseline
▲ 0.50% · 4.625%
HK$81,058
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,816/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,988
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,133
−HK$2,176/mo
Today · 4.125%
HK$84,309
baseline
▲ 0.50% · 4.625%
HK$88,753
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,618/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,883
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,492
−HK$2,651/mo
Today · 4.125%
HK$89,143
baseline
▲ 0.50% · 4.625%
HK$94,567
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,286/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,319
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,822
−HK$2,539/mo
Today · 4.125%
HK$98,361
baseline
▲ 0.50% · 4.625%
HK$103,545
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,722/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,850
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,204
−HK$3,409/mo
Today · 4.125%
HK$114,613
baseline
▲ 0.50% · 4.625%
HK$121,587
+HK$6,974/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,226/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,982
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,199
−HK$3,265/mo
Today · 4.125%
HK$126,464
baseline
▲ 0.50% · 4.625%
HK$133,130
+HK$6,666/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,928/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,738 · Scale 2, in force from 26 Feb 2026)