LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,983
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,896/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,879/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,731
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,521
−HK$1,815/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,044
+HK$3,708/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$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,980
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,219
−HK$2,275/mo
Today · 4.125%
HK$76,494
baseline
▲ 0.50% · 4.625%
HK$81,148
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,988/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,077
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,225
−HK$2,178/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$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,977
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,589
−HK$2,654/mo
Today · 4.125%
HK$89,243
baseline
▲ 0.50% · 4.625%
HK$94,673
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,486/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,423
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,929
−HK$2,542/mo
Today · 4.125%
HK$98,471
baseline
▲ 0.50% · 4.625%
HK$103,661
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,942/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,970
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,329
−HK$3,412/mo
Today · 4.125%
HK$114,741
baseline
▲ 0.50% · 4.625%
HK$121,722
+HK$6,981/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,482/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,116
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,337
−HK$3,268/mo
Today · 4.125%
HK$126,605
baseline
▲ 0.50% · 4.625%
HK$133,279
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,210/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,986 · Scale 2, in force from 26 Feb 2026)