LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,993
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,859
−HK$1,896/mo
Today · 4.125%
HK$63,755
baseline
▲ 0.50% · 4.625%
HK$67,635
+HK$3,880/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,510/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,742
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,532
−HK$1,816/mo
Today · 4.125%
HK$70,348
baseline
▲ 0.50% · 4.625%
HK$74,056
+HK$3,708/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,696/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,231
−HK$2,275/mo
Today · 4.125%
HK$76,506
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,656/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$153,012/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,090
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,238
−HK$2,179/mo
Today · 4.125%
HK$84,417
baseline
▲ 0.50% · 4.625%
HK$88,867
+HK$4,450/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$168,834/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,991
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,603
−HK$2,654/mo
Today · 4.125%
HK$89,257
baseline
▲ 0.50% · 4.625%
HK$94,689
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,514/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,439
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,945
−HK$2,542/mo
Today · 4.125%
HK$98,487
baseline
▲ 0.50% · 4.625%
HK$103,678
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$196,974/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,988
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,347
−HK$3,413/mo
Today · 4.125%
HK$114,760
baseline
▲ 0.50% · 4.625%
HK$121,742
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,520/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,135
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,357
−HK$3,269/mo
Today · 4.125%
HK$126,626
baseline
▲ 0.50% · 4.625%
HK$133,301
+HK$6,675/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,252/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,170 · Scale 2, in force from 26 Feb 2026)