LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,939
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,803
−HK$1,895/mo
Today · 4.125%
HK$63,698
baseline
▲ 0.50% · 4.625%
HK$67,574
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,396/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,682
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,470
−HK$1,814/mo
Today · 4.125%
HK$70,284
baseline
▲ 0.50% · 4.625%
HK$73,989
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,568/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,927
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,164
−HK$2,273/mo
Today · 4.125%
HK$76,437
baseline
▲ 0.50% · 4.625%
HK$81,088
+HK$4,651/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,874/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,018
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,164
−HK$2,177/mo
Today · 4.125%
HK$84,341
baseline
▲ 0.50% · 4.625%
HK$88,787
+HK$4,446/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,682/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,915
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,525
−HK$2,652/mo
Today · 4.125%
HK$89,177
baseline
▲ 0.50% · 4.625%
HK$94,603
+HK$5,426/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,354/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,354
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,858
−HK$2,540/mo
Today · 4.125%
HK$98,398
baseline
▲ 0.50% · 4.625%
HK$103,584
+HK$5,186/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,796/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,890
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,246
−HK$3,410/mo
Today · 4.125%
HK$114,656
baseline
▲ 0.50% · 4.625%
HK$121,632
+HK$6,976/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,312/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,027
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,246
−HK$3,265/mo
Today · 4.125%
HK$126,511
baseline
▲ 0.50% · 4.625%
HK$133,180
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,022/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,159 · Scale 2, in force from 26 Feb 2026)