LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,949
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,813
−HK$1,895/mo
Today · 4.125%
HK$63,708
baseline
▲ 0.50% · 4.625%
HK$67,584
+HK$3,876/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,416/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,692
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$1,814/mo
Today · 4.125%
HK$70,295
baseline
▲ 0.50% · 4.625%
HK$74,001
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,590/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,938
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,176
−HK$2,273/mo
Today · 4.125%
HK$76,449
baseline
▲ 0.50% · 4.625%
HK$81,101
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,898/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,031
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,177
−HK$2,177/mo
Today · 4.125%
HK$84,354
baseline
▲ 0.50% · 4.625%
HK$88,801
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,708/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,928
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,539
−HK$2,652/mo
Today · 4.125%
HK$89,191
baseline
▲ 0.50% · 4.625%
HK$94,618
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,382/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,369
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,873
−HK$2,541/mo
Today · 4.125%
HK$98,414
baseline
▲ 0.50% · 4.625%
HK$103,601
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,828/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,907
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,264
−HK$3,410/mo
Today · 4.125%
HK$114,674
baseline
▲ 0.50% · 4.625%
HK$121,652
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,348/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,046
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,266
−HK$3,266/mo
Today · 4.125%
HK$126,532
baseline
▲ 0.50% · 4.625%
HK$133,201
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,064/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,337 · Scale 2, in force from 26 Feb 2026)