LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,959
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,895/mo
Today · 4.125%
HK$63,719
baseline
▲ 0.50% · 4.625%
HK$67,597
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,438/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,704
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,493
−HK$1,815/mo
Today · 4.125%
HK$70,308
baseline
▲ 0.50% · 4.625%
HK$74,014
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,616/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,951
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,189
−HK$2,274/mo
Today · 4.125%
HK$76,463
baseline
▲ 0.50% · 4.625%
HK$81,116
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,926/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,192
−HK$2,178/mo
Today · 4.125%
HK$84,370
baseline
▲ 0.50% · 4.625%
HK$88,817
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,740/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,943
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,554
−HK$2,653/mo
Today · 4.125%
HK$89,207
baseline
▲ 0.50% · 4.625%
HK$94,635
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,414/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,386
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,890
−HK$2,541/mo
Today · 4.125%
HK$98,431
baseline
▲ 0.50% · 4.625%
HK$103,620
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,862/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,927
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,284
−HK$3,411/mo
Today · 4.125%
HK$114,695
baseline
▲ 0.50% · 4.625%
HK$121,674
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,390/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,068
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,288
−HK$3,266/mo
Today · 4.125%
HK$126,554
baseline
▲ 0.50% · 4.625%
HK$133,225
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,108/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,539 · Scale 2, in force from 26 Feb 2026)