LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,950
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,814
−HK$1,895/mo
Today · 4.125%
HK$63,709
baseline
▲ 0.50% · 4.625%
HK$67,585
+HK$3,876/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,418/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,693
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,482
−HK$1,814/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,002
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,939
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,177
−HK$2,274/mo
Today · 4.125%
HK$76,451
baseline
▲ 0.50% · 4.625%
HK$81,102
+HK$4,651/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,902/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,032
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,178
−HK$2,178/mo
Today · 4.125%
HK$84,356
baseline
▲ 0.50% · 4.625%
HK$88,802
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,712/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,929
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,540
−HK$2,652/mo
Today · 4.125%
HK$89,192
baseline
▲ 0.50% · 4.625%
HK$94,620
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,384/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,371
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,875
−HK$2,540/mo
Today · 4.125%
HK$98,415
baseline
▲ 0.50% · 4.625%
HK$103,603
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,830/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,909
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,266
−HK$3,410/mo
Today · 4.125%
HK$114,676
baseline
▲ 0.50% · 4.625%
HK$121,654
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,352/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,048
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,267
−HK$3,267/mo
Today · 4.125%
HK$126,534
baseline
▲ 0.50% · 4.625%
HK$133,203
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,068/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,355 · Scale 2, in force from 26 Feb 2026)