LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,931
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,795
−HK$1,894/mo
Today · 4.125%
HK$63,689
baseline
▲ 0.50% · 4.625%
HK$67,564
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,378/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$1,814/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$73,979
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,917
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,154
−HK$2,273/mo
Today · 4.125%
HK$76,427
baseline
▲ 0.50% · 4.625%
HK$81,077
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,854/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,007
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,152
−HK$2,177/mo
Today · 4.125%
HK$84,329
baseline
▲ 0.50% · 4.625%
HK$88,774
+HK$4,445/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,658/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,903
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,513
−HK$2,651/mo
Today · 4.125%
HK$89,164
baseline
▲ 0.50% · 4.625%
HK$94,590
+HK$5,426/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$178,328/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,341
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,844
−HK$2,540/mo
Today · 4.125%
HK$98,384
baseline
▲ 0.50% · 4.625%
HK$103,570
+HK$5,186/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$196,768/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,875
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,231
−HK$3,409/mo
Today · 4.125%
HK$114,640
baseline
▲ 0.50% · 4.625%
HK$121,615
+HK$6,975/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,280/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,010
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,228
−HK$3,266/mo
Today · 4.125%
HK$126,494
baseline
▲ 0.50% · 4.625%
HK$133,161
+HK$6,667/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,988/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,002 · Scale 2, in force from 26 Feb 2026)