LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,317
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,874/mo
Today · 4.125%
HK$63,036
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,072/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,759
−HK$1,796/mo
Today · 4.125%
HK$69,555
baseline
▲ 0.50% · 4.625%
HK$73,221
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,110/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,180
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,394
−HK$2,250/mo
Today · 4.125%
HK$75,644
baseline
▲ 0.50% · 4.625%
HK$80,247
+HK$4,603/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,288/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,187
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,311
−HK$2,154/mo
Today · 4.125%
HK$83,465
baseline
▲ 0.50% · 4.625%
HK$87,865
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,930/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,044
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,627
−HK$2,624/mo
Today · 4.125%
HK$88,251
baseline
▲ 0.50% · 4.625%
HK$93,621
+HK$5,370/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,502/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,385
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,863
−HK$2,513/mo
Today · 4.125%
HK$97,376
baseline
▲ 0.50% · 4.625%
HK$102,509
+HK$5,133/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,752/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,770
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,091
−HK$3,375/mo
Today · 4.125%
HK$113,466
baseline
▲ 0.50% · 4.625%
HK$120,370
+HK$6,904/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,932/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,781
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$121,966
−HK$3,232/mo
Today · 4.125%
HK$125,198
baseline
▲ 0.50% · 4.625%
HK$131,798
+HK$6,600/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,562 · Scale 2, in force from 26 Feb 2026)