LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,342
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,187
−HK$1,876/mo
Today · 4.125%
HK$63,063
baseline
▲ 0.50% · 4.625%
HK$66,900
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,126/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,017
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,787
−HK$1,797/mo
Today · 4.125%
HK$69,584
baseline
▲ 0.50% · 4.625%
HK$73,251
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,168/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,210
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,425
−HK$2,250/mo
Today · 4.125%
HK$75,675
baseline
▲ 0.50% · 4.625%
HK$80,280
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,350/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,220
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,345
−HK$2,155/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$87,902
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,078
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,662
−HK$2,626/mo
Today · 4.125%
HK$88,288
baseline
▲ 0.50% · 4.625%
HK$93,660
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,576/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,424
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,902
−HK$2,515/mo
Today · 4.125%
HK$97,417
baseline
▲ 0.50% · 4.625%
HK$102,552
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,834/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,815
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,137
−HK$3,376/mo
Today · 4.125%
HK$113,513
baseline
▲ 0.50% · 4.625%
HK$120,420
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,026/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,830
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,017
−HK$3,233/mo
Today · 4.125%
HK$125,250
baseline
▲ 0.50% · 4.625%
HK$131,853
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,500/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,023 · Scale 2, in force from 26 Feb 2026)