LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,339
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,185
−HK$1,875/mo
Today · 4.125%
HK$63,060
baseline
▲ 0.50% · 4.625%
HK$66,898
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,120/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,014
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,785
−HK$1,796/mo
Today · 4.125%
HK$69,581
baseline
▲ 0.50% · 4.625%
HK$73,249
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,162/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,207
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,422
−HK$2,251/mo
Today · 4.125%
HK$75,673
baseline
▲ 0.50% · 4.625%
HK$80,277
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,346/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,217
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,342
−HK$2,155/mo
Today · 4.125%
HK$83,497
baseline
▲ 0.50% · 4.625%
HK$87,898
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,994/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,075
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,659
−HK$2,626/mo
Today · 4.125%
HK$88,285
baseline
▲ 0.50% · 4.625%
HK$93,657
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,570/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,420
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,899
−HK$2,514/mo
Today · 4.125%
HK$97,413
baseline
▲ 0.50% · 4.625%
HK$102,548
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,826/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,811
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,133
−HK$3,376/mo
Today · 4.125%
HK$113,509
baseline
▲ 0.50% · 4.625%
HK$120,416
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,018/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,826
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,013
−HK$3,233/mo
Today · 4.125%
HK$125,246
baseline
▲ 0.50% · 4.625%
HK$131,848
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,492/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,982 · Scale 2, in force from 26 Feb 2026)