LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,950
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,815
−HK$1,895/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,586
+HK$3,876/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,694
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,483
−HK$1,814/mo
Today · 4.125%
HK$70,297
baseline
▲ 0.50% · 4.625%
HK$74,003
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,594/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,940
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$2,274/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$81,104
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,033
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,179
−HK$2,178/mo
Today · 4.125%
HK$84,357
baseline
▲ 0.50% · 4.625%
HK$88,803
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,714/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,930
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,541
−HK$2,653/mo
Today · 4.125%
HK$89,194
baseline
▲ 0.50% · 4.625%
HK$94,621
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,388/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,372
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,876
−HK$2,540/mo
Today · 4.125%
HK$98,416
baseline
▲ 0.50% · 4.625%
HK$103,604
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,832/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,911
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,267
−HK$3,410/mo
Today · 4.125%
HK$114,677
baseline
▲ 0.50% · 4.625%
HK$121,655
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,354/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,049
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,269
−HK$3,266/mo
Today · 4.125%
HK$126,535
baseline
▲ 0.50% · 4.625%
HK$133,205
+HK$6,670/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,070/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,369 · Scale 2, in force from 26 Feb 2026)