LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,953
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,817
−HK$1,895/mo
Today · 4.125%
HK$63,712
baseline
▲ 0.50% · 4.625%
HK$67,589
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,424/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,697
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,485
−HK$1,815/mo
Today · 4.125%
HK$70,300
baseline
▲ 0.50% · 4.625%
HK$74,006
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,600/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,943
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,181
−HK$2,274/mo
Today · 4.125%
HK$76,455
baseline
▲ 0.50% · 4.625%
HK$81,107
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,910/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,036
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,183
−HK$2,177/mo
Today · 4.125%
HK$84,360
baseline
▲ 0.50% · 4.625%
HK$88,807
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,720/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,934
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,544
−HK$2,653/mo
Today · 4.125%
HK$89,197
baseline
▲ 0.50% · 4.625%
HK$94,624
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,394/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,375
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,880
−HK$2,540/mo
Today · 4.125%
HK$98,420
baseline
▲ 0.50% · 4.625%
HK$103,608
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,840/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,915
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,271
−HK$3,411/mo
Today · 4.125%
HK$114,682
baseline
▲ 0.50% · 4.625%
HK$121,660
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,364/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,054
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,274
−HK$3,266/mo
Today · 4.125%
HK$126,540
baseline
▲ 0.50% · 4.625%
HK$133,210
+HK$6,670/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,080/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,413 · Scale 2, in force from 26 Feb 2026)