LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,331
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,177
−HK$1,875/mo
Today · 4.125%
HK$63,052
baseline
▲ 0.50% · 4.625%
HK$66,888
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,104/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,005
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,776
−HK$1,795/mo
Today · 4.125%
HK$69,571
baseline
▲ 0.50% · 4.625%
HK$73,239
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,142/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,198
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,412
−HK$2,250/mo
Today · 4.125%
HK$75,662
baseline
▲ 0.50% · 4.625%
HK$80,266
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,324/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,207
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,331
−HK$2,155/mo
Today · 4.125%
HK$83,486
baseline
▲ 0.50% · 4.625%
HK$87,886
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,972/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,064
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,648
−HK$2,625/mo
Today · 4.125%
HK$88,273
baseline
▲ 0.50% · 4.625%
HK$93,644
+HK$5,371/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,546/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,408
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,886
−HK$2,514/mo
Today · 4.125%
HK$97,400
baseline
▲ 0.50% · 4.625%
HK$102,534
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,800/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,796
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,118
−HK$3,375/mo
Today · 4.125%
HK$113,493
baseline
▲ 0.50% · 4.625%
HK$120,399
+HK$6,906/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$226,986/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,810
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$121,996
−HK$3,233/mo
Today · 4.125%
HK$125,229
baseline
▲ 0.50% · 4.625%
HK$131,830
+HK$6,601/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,458/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,832 · Scale 2, in force from 26 Feb 2026)