LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,977
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,896/mo
Today · 4.125%
HK$63,738
baseline
▲ 0.50% · 4.625%
HK$67,616
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,476/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,723
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,513
−HK$1,815/mo
Today · 4.125%
HK$70,328
baseline
▲ 0.50% · 4.625%
HK$74,035
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,656/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,972
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$2,274/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$81,139
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,068
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,179/mo
Today · 4.125%
HK$84,394
baseline
▲ 0.50% · 4.625%
HK$88,842
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,788/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,967
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,579
−HK$2,654/mo
Today · 4.125%
HK$89,233
baseline
▲ 0.50% · 4.625%
HK$94,662
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,466/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,413
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,918
−HK$2,541/mo
Today · 4.125%
HK$98,459
baseline
▲ 0.50% · 4.625%
HK$103,649
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,918/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,958
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,316
−HK$3,412/mo
Today · 4.125%
HK$114,728
baseline
▲ 0.50% · 4.625%
HK$121,709
+HK$6,981/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,456/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,102
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,323
−HK$3,268/mo
Today · 4.125%
HK$126,591
baseline
▲ 0.50% · 4.625%
HK$133,263
+HK$6,672/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,182/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,858 · Scale 2, in force from 26 Feb 2026)