LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,965
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,830
−HK$1,895/mo
Today · 4.125%
HK$63,725
baseline
▲ 0.50% · 4.625%
HK$67,603
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,450/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,710
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,499
−HK$1,815/mo
Today · 4.125%
HK$70,314
baseline
▲ 0.50% · 4.625%
HK$74,021
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,628/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,958
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,196
−HK$2,274/mo
Today · 4.125%
HK$76,470
baseline
▲ 0.50% · 4.625%
HK$81,123
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,940/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,052
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,199
−HK$2,178/mo
Today · 4.125%
HK$84,377
baseline
▲ 0.50% · 4.625%
HK$88,825
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,754/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,951
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,562
−HK$2,653/mo
Today · 4.125%
HK$89,215
baseline
▲ 0.50% · 4.625%
HK$94,644
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,430/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,394
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,899
−HK$2,541/mo
Today · 4.125%
HK$98,440
baseline
▲ 0.50% · 4.625%
HK$103,629
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,880/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,936
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,294
−HK$3,411/mo
Today · 4.125%
HK$114,705
baseline
▲ 0.50% · 4.625%
HK$121,685
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,410/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,078
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,299
−HK$3,267/mo
Today · 4.125%
HK$126,566
baseline
▲ 0.50% · 4.625%
HK$133,237
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,132/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,638 · Scale 2, in force from 26 Feb 2026)