LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,943
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,808
−HK$1,894/mo
Today · 4.125%
HK$63,702
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,404/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,686
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,475
−HK$1,814/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,932
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,169
−HK$2,274/mo
Today · 4.125%
HK$76,443
baseline
▲ 0.50% · 4.625%
HK$81,094
+HK$4,651/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,886/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,023
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,170
−HK$2,177/mo
Today · 4.125%
HK$84,347
baseline
▲ 0.50% · 4.625%
HK$88,793
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,694/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,920
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,531
−HK$2,652/mo
Today · 4.125%
HK$89,183
baseline
▲ 0.50% · 4.625%
HK$94,610
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,366/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,361
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,864
−HK$2,541/mo
Today · 4.125%
HK$98,405
baseline
▲ 0.50% · 4.625%
HK$103,592
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,810/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,898
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,254
−HK$3,410/mo
Today · 4.125%
HK$114,664
baseline
▲ 0.50% · 4.625%
HK$121,641
+HK$6,977/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,328/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,035
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,254
−HK$3,266/mo
Today · 4.125%
HK$126,520
baseline
▲ 0.50% · 4.625%
HK$133,189
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,040/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,236 · Scale 2, in force from 26 Feb 2026)