LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,352
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,198
−HK$1,876/mo
Today · 4.125%
HK$63,074
baseline
▲ 0.50% · 4.625%
HK$66,912
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,148/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,028
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,799
−HK$1,797/mo
Today · 4.125%
HK$69,596
baseline
▲ 0.50% · 4.625%
HK$73,264
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,192/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,222
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,438
−HK$2,251/mo
Today · 4.125%
HK$75,689
baseline
▲ 0.50% · 4.625%
HK$80,294
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,378/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,234
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,359
−HK$2,156/mo
Today · 4.125%
HK$83,515
baseline
▲ 0.50% · 4.625%
HK$87,917
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,030/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,093
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,677
−HK$2,626/mo
Today · 4.125%
HK$88,303
baseline
▲ 0.50% · 4.625%
HK$93,676
+HK$5,373/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,606/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,440
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,919
−HK$2,515/mo
Today · 4.125%
HK$97,434
baseline
▲ 0.50% · 4.625%
HK$102,570
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,868/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,834
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,157
−HK$3,376/mo
Today · 4.125%
HK$113,533
baseline
▲ 0.50% · 4.625%
HK$120,441
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,066/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,851
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,039
−HK$3,233/mo
Today · 4.125%
HK$125,272
baseline
▲ 0.50% · 4.625%
HK$131,876
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,544/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,218 · Scale 2, in force from 26 Feb 2026)