LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,329
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,875/mo
Today · 4.125%
HK$63,049
baseline
▲ 0.50% · 4.625%
HK$66,886
+HK$3,837/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$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,003
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,773
−HK$1,795/mo
Today · 4.125%
HK$69,568
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$3,668/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$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,194
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$2,250/mo
Today · 4.125%
HK$75,659
baseline
▲ 0.50% · 4.625%
HK$80,263
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,318/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,784 · 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$87,883
+HK$4,401/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$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,060
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,644
−HK$2,625/mo
Today · 4.125%
HK$88,269
baseline
▲ 0.50% · 4.625%
HK$93,640
+HK$5,371/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,538/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,404
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,882
−HK$2,514/mo
Today · 4.125%
HK$97,396
baseline
▲ 0.50% · 4.625%
HK$102,530
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,792/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,792
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,113
−HK$3,375/mo
Today · 4.125%
HK$113,488
baseline
▲ 0.50% · 4.625%
HK$120,394
+HK$6,906/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$1,105,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,805
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,991
−HK$3,232/mo
Today · 4.125%
HK$125,223
baseline
▲ 0.50% · 4.625%
HK$131,824
+HK$6,601/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$1,105,784 · Scale 2, in force from 26 Feb 2026)