LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,328
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,875/mo
Today · 4.125%
HK$63,049
baseline
▲ 0.50% · 4.625%
HK$66,885
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,098/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,002
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,772
−HK$1,796/mo
Today · 4.125%
HK$69,568
baseline
▲ 0.50% · 4.625%
HK$73,235
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,136/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,194
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$2,249/mo
Today · 4.125%
HK$75,658
baseline
▲ 0.50% · 4.625%
HK$80,262
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,316/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,203
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,327
−HK$2,155/mo
Today · 4.125%
HK$83,482
baseline
▲ 0.50% · 4.625%
HK$87,882
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,964/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,060
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,643
−HK$2,625/mo
Today · 4.125%
HK$88,268
baseline
▲ 0.50% · 4.625%
HK$93,639
+HK$5,371/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,536/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,403
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,881
−HK$2,514/mo
Today · 4.125%
HK$97,395
baseline
▲ 0.50% · 4.625%
HK$102,529
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,790/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,791
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,113
−HK$3,375/mo
Today · 4.125%
HK$113,488
baseline
▲ 0.50% · 4.625%
HK$120,393
+HK$6,905/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$226,976/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,804
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$121,990
−HK$3,233/mo
Today · 4.125%
HK$125,223
baseline
▲ 0.50% · 4.625%
HK$131,823
+HK$6,600/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,446/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,777 · Scale 2, in force from 26 Feb 2026)