LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,947
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,894/mo
Today · 4.125%
HK$63,706
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,877/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,412/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,690
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,479
−HK$1,814/mo
Today · 4.125%
HK$70,293
baseline
▲ 0.50% · 4.625%
HK$73,999
+HK$3,706/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,586/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,936
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,174
−HK$2,273/mo
Today · 4.125%
HK$76,447
baseline
▲ 0.50% · 4.625%
HK$81,099
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,894/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,028
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,175
−HK$2,177/mo
Today · 4.125%
HK$84,352
baseline
▲ 0.50% · 4.625%
HK$88,798
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,704/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,926
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,536
−HK$2,653/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$94,616
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,367
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,871
−HK$2,540/mo
Today · 4.125%
HK$98,411
baseline
▲ 0.50% · 4.625%
HK$103,598
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,822/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,905
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,261
−HK$3,410/mo
Today · 4.125%
HK$114,671
baseline
▲ 0.50% · 4.625%
HK$121,649
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,342/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,043
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,262
−HK$3,266/mo
Today · 4.125%
HK$126,528
baseline
▲ 0.50% · 4.625%
HK$133,198
+HK$6,670/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,056/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,307 · Scale 2, in force from 26 Feb 2026)