LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,929
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,794
−HK$1,894/mo
Today · 4.125%
HK$63,688
baseline
▲ 0.50% · 4.625%
HK$67,563
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,376/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,671
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,459
−HK$1,814/mo
Today · 4.125%
HK$70,273
baseline
▲ 0.50% · 4.625%
HK$73,977
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,546/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,915
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,152
−HK$2,273/mo
Today · 4.125%
HK$76,425
baseline
▲ 0.50% · 4.625%
HK$81,075
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,850/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,005
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,151
−HK$2,177/mo
Today · 4.125%
HK$84,328
baseline
▲ 0.50% · 4.625%
HK$88,773
+HK$4,445/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,656/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,901
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,511
−HK$2,652/mo
Today · 4.125%
HK$89,163
baseline
▲ 0.50% · 4.625%
HK$94,588
+HK$5,425/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$178,326/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,339
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,843
−HK$2,539/mo
Today · 4.125%
HK$98,382
baseline
▲ 0.50% · 4.625%
HK$103,568
+HK$5,186/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$196,764/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,873
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,228
−HK$3,410/mo
Today · 4.125%
HK$114,638
baseline
▲ 0.50% · 4.625%
HK$121,613
+HK$6,975/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,276/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,008
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,226
−HK$3,265/mo
Today · 4.125%
HK$126,491
baseline
▲ 0.50% · 4.625%
HK$133,159
+HK$6,668/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,982/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,116,981 · Scale 2, in force from 26 Feb 2026)