LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,955
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,820
−HK$1,895/mo
Today · 4.125%
HK$63,715
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,430/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$1,815/mo
Today · 4.125%
HK$70,303
baseline
▲ 0.50% · 4.625%
HK$74,009
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,606/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,946
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,184
−HK$2,274/mo
Today · 4.125%
HK$76,458
baseline
▲ 0.50% · 4.625%
HK$81,110
+HK$4,652/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,916/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,039
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,186
−HK$2,177/mo
Today · 4.125%
HK$84,363
baseline
▲ 0.50% · 4.625%
HK$88,810
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,726/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,937
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,548
−HK$2,653/mo
Today · 4.125%
HK$89,201
baseline
▲ 0.50% · 4.625%
HK$94,628
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,402/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,379
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,883
−HK$2,541/mo
Today · 4.125%
HK$98,424
baseline
▲ 0.50% · 4.625%
HK$103,612
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,848/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,919
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,276
−HK$3,410/mo
Today · 4.125%
HK$114,686
baseline
▲ 0.50% · 4.625%
HK$121,665
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,372/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,059
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,279
−HK$3,266/mo
Today · 4.125%
HK$126,545
baseline
▲ 0.50% · 4.625%
HK$133,216
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,090/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,457 · Scale 2, in force from 26 Feb 2026)