LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,966
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,895/mo
Today · 4.125%
HK$63,727
baseline
▲ 0.50% · 4.625%
HK$67,604
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,454/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,712
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,501
−HK$1,815/mo
Today · 4.125%
HK$70,316
baseline
▲ 0.50% · 4.625%
HK$74,023
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,632/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,960
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,198
−HK$2,274/mo
Today · 4.125%
HK$76,472
baseline
▲ 0.50% · 4.625%
HK$81,125
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,944/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,054
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,201
−HK$2,178/mo
Today · 4.125%
HK$84,379
baseline
▲ 0.50% · 4.625%
HK$88,827
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,758/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,953
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,564
−HK$2,654/mo
Today · 4.125%
HK$89,218
baseline
▲ 0.50% · 4.625%
HK$94,646
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,436/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,397
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,902
−HK$2,541/mo
Today · 4.125%
HK$98,443
baseline
▲ 0.50% · 4.625%
HK$103,632
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,886/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,939
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,297
−HK$3,411/mo
Today · 4.125%
HK$114,708
baseline
▲ 0.50% · 4.625%
HK$121,688
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,416/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,082
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,302
−HK$3,267/mo
Today · 4.125%
HK$126,569
baseline
▲ 0.50% · 4.625%
HK$133,241
+HK$6,672/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,138/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,669 · Scale 2, in force from 26 Feb 2026)