LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,983
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,895/mo
Today · 4.125%
HK$63,744
baseline
▲ 0.50% · 4.625%
HK$67,623
+HK$3,879/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,488/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,520
−HK$1,816/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,043
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,980
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,219
−HK$2,274/mo
Today · 4.125%
HK$76,493
baseline
▲ 0.50% · 4.625%
HK$81,148
+HK$4,655/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,986/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,077
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,224
−HK$2,179/mo
Today · 4.125%
HK$84,403
baseline
▲ 0.50% · 4.625%
HK$88,852
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,806/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,976
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,588
−HK$2,654/mo
Today · 4.125%
HK$89,242
baseline
▲ 0.50% · 4.625%
HK$94,672
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,484/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,423
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,928
−HK$2,542/mo
Today · 4.125%
HK$98,470
baseline
▲ 0.50% · 4.625%
HK$103,661
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,940/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,969
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,328
−HK$3,412/mo
Today · 4.125%
HK$114,740
baseline
▲ 0.50% · 4.625%
HK$121,722
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,480/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,115
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,336
−HK$3,268/mo
Today · 4.125%
HK$126,604
baseline
▲ 0.50% · 4.625%
HK$133,278
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,208/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,979 · Scale 2, in force from 26 Feb 2026)