LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,338
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,183
−HK$1,876/mo
Today · 4.125%
HK$63,059
baseline
▲ 0.50% · 4.625%
HK$66,895
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,118/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,012
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,783
−HK$1,796/mo
Today · 4.125%
HK$69,579
baseline
▲ 0.50% · 4.625%
HK$73,246
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,158/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,205
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,420
−HK$2,250/mo
Today · 4.125%
HK$75,670
baseline
▲ 0.50% · 4.625%
HK$80,275
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,340/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,215
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,339
−HK$2,156/mo
Today · 4.125%
HK$83,495
baseline
▲ 0.50% · 4.625%
HK$87,896
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,990/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,073
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,657
−HK$2,625/mo
Today · 4.125%
HK$88,282
baseline
▲ 0.50% · 4.625%
HK$93,654
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,564/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,417
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,896
−HK$2,514/mo
Today · 4.125%
HK$97,410
baseline
▲ 0.50% · 4.625%
HK$102,545
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,820/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,808
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,130
−HK$3,375/mo
Today · 4.125%
HK$113,505
baseline
▲ 0.50% · 4.625%
HK$120,412
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,010/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,822
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,009
−HK$3,233/mo
Today · 4.125%
HK$125,242
baseline
▲ 0.50% · 4.625%
HK$131,844
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,484/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,948 · Scale 2, in force from 26 Feb 2026)