LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,926
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,790
−HK$1,893/mo
Today · 4.125%
HK$63,683
baseline
▲ 0.50% · 4.625%
HK$67,558
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,366/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,667
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,454
−HK$1,814/mo
Today · 4.125%
HK$70,268
baseline
▲ 0.50% · 4.625%
HK$73,972
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,536/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,911
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,147
−HK$2,273/mo
Today · 4.125%
HK$76,420
baseline
▲ 0.50% · 4.625%
HK$81,070
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,840/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,000
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,145
−HK$2,177/mo
Today · 4.125%
HK$84,322
baseline
▲ 0.50% · 4.625%
HK$88,767
+HK$4,445/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,644/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,896
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,505
−HK$2,652/mo
Today · 4.125%
HK$89,157
baseline
▲ 0.50% · 4.625%
HK$94,582
+HK$5,425/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$178,314/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,333
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,836
−HK$2,540/mo
Today · 4.125%
HK$98,376
baseline
▲ 0.50% · 4.625%
HK$103,561
+HK$5,185/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$196,752/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,866
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,221
−HK$3,409/mo
Today · 4.125%
HK$114,630
baseline
▲ 0.50% · 4.625%
HK$121,605
+HK$6,975/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,260/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,000
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,218
−HK$3,265/mo
Today · 4.125%
HK$126,483
baseline
▲ 0.50% · 4.625%
HK$133,150
+HK$6,667/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,966/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,907 · Scale 2, in force from 26 Feb 2026)