LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,956
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,895/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,701
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,490
−HK$1,815/mo
Today · 4.125%
HK$70,305
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$3,705/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,610/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,948
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$2,273/mo
Today · 4.125%
HK$76,459
baseline
▲ 0.50% · 4.625%
HK$81,112
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,918/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,041
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,177/mo
Today · 4.125%
HK$84,365
baseline
▲ 0.50% · 4.625%
HK$88,812
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,730/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,939
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,550
−HK$2,653/mo
Today · 4.125%
HK$89,203
baseline
▲ 0.50% · 4.625%
HK$94,630
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,406/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,381
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,886
−HK$2,540/mo
Today · 4.125%
HK$98,426
baseline
▲ 0.50% · 4.625%
HK$103,615
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,852/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,921
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,278
−HK$3,411/mo
Today · 4.125%
HK$114,689
baseline
▲ 0.50% · 4.625%
HK$121,668
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,378/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,062
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,282
−HK$3,266/mo
Today · 4.125%
HK$126,548
baseline
▲ 0.50% · 4.625%
HK$133,219
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,096/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,483 · Scale 2, in force from 26 Feb 2026)