LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,350
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,196
−HK$1,876/mo
Today · 4.125%
HK$63,072
baseline
▲ 0.50% · 4.625%
HK$66,910
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,144/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,026
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,797
−HK$1,797/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,262
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,220
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,435
−HK$2,251/mo
Today · 4.125%
HK$75,686
baseline
▲ 0.50% · 4.625%
HK$80,292
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,372/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,232
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,155/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$87,914
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,090
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,675
−HK$2,626/mo
Today · 4.125%
HK$88,301
baseline
▲ 0.50% · 4.625%
HK$93,673
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,602/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,437
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,916
−HK$2,515/mo
Today · 4.125%
HK$97,431
baseline
▲ 0.50% · 4.625%
HK$102,567
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,862/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,830
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,153
−HK$3,376/mo
Today · 4.125%
HK$113,529
baseline
▲ 0.50% · 4.625%
HK$120,437
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,058/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,847
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,035
−HK$3,233/mo
Today · 4.125%
HK$125,268
baseline
▲ 0.50% · 4.625%
HK$131,872
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,536/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,183 · Scale 2, in force from 26 Feb 2026)