LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,351
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,197
−HK$1,875/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$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,027
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,798
−HK$1,796/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,263
+HK$3,669/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$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,221
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,436
−HK$2,251/mo
Today · 4.125%
HK$75,687
baseline
▲ 0.50% · 4.625%
HK$80,292
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,374/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,232
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,156/mo
Today · 4.125%
HK$83,513
baseline
▲ 0.50% · 4.625%
HK$87,915
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,026/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,091
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,675
−HK$2,626/mo
Today · 4.125%
HK$88,301
baseline
▲ 0.50% · 4.625%
HK$93,674
+HK$5,373/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$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,438
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,917
−HK$2,515/mo
Today · 4.125%
HK$97,432
baseline
▲ 0.50% · 4.625%
HK$102,568
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,864/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,831
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,154
−HK$3,376/mo
Today · 4.125%
HK$113,530
baseline
▲ 0.50% · 4.625%
HK$120,438
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,060/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,849
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,036
−HK$3,234/mo
Today · 4.125%
HK$125,270
baseline
▲ 0.50% · 4.625%
HK$131,873
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,540/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,192 · Scale 2, in force from 26 Feb 2026)