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$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,711
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,500
−HK$1,815/mo
Today · 4.125%
HK$70,315
baseline
▲ 0.50% · 4.625%
HK$74,021
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,630/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,958
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,196
−HK$2,275/mo
Today · 4.125%
HK$76,471
baseline
▲ 0.50% · 4.625%
HK$81,124
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,942/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,053
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,200
−HK$2,178/mo
Today · 4.125%
HK$84,378
baseline
▲ 0.50% · 4.625%
HK$88,825
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,756/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,951
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,563
−HK$2,653/mo
Today · 4.125%
HK$89,216
baseline
▲ 0.50% · 4.625%
HK$94,644
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,432/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,395
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,900
−HK$2,541/mo
Today · 4.125%
HK$98,441
baseline
▲ 0.50% · 4.625%
HK$103,630
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,882/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,937
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,295
−HK$3,411/mo
Today · 4.125%
HK$114,706
baseline
▲ 0.50% · 4.625%
HK$121,685
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,412/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,079
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,300
−HK$3,267/mo
Today · 4.125%
HK$126,567
baseline
▲ 0.50% · 4.625%
HK$133,238
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,134/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,646 · Scale 2, in force from 26 Feb 2026)