LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,345
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,191
−HK$1,876/mo
Today · 4.125%
HK$63,067
baseline
▲ 0.50% · 4.625%
HK$66,904
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,134/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,021
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,792
−HK$1,796/mo
Today · 4.125%
HK$69,588
baseline
▲ 0.50% · 4.625%
HK$73,256
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,176/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,215
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,430
−HK$2,250/mo
Today · 4.125%
HK$75,680
baseline
▲ 0.50% · 4.625%
HK$80,285
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,360/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,226
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,350
−HK$2,156/mo
Today · 4.125%
HK$83,506
baseline
▲ 0.50% · 4.625%
HK$87,908
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,012/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,084
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,668
−HK$2,626/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,430
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,909
−HK$2,514/mo
Today · 4.125%
HK$97,423
baseline
▲ 0.50% · 4.625%
HK$102,559
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,846/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,822
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,145
−HK$3,376/mo
Today · 4.125%
HK$113,521
baseline
▲ 0.50% · 4.625%
HK$120,428
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,042/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,838
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,025
−HK$3,234/mo
Today · 4.125%
HK$125,259
baseline
▲ 0.50% · 4.625%
HK$131,861
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,518/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,097 · Scale 2, in force from 26 Feb 2026)