LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,353
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,199
−HK$1,876/mo
Today · 4.125%
HK$63,075
baseline
▲ 0.50% · 4.625%
HK$66,913
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,150/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,030
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,801
−HK$1,796/mo
Today · 4.125%
HK$69,597
baseline
▲ 0.50% · 4.625%
HK$73,266
+HK$3,669/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,194/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,439
−HK$2,251/mo
Today · 4.125%
HK$75,690
baseline
▲ 0.50% · 4.625%
HK$80,296
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,380/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,236
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,361
−HK$2,156/mo
Today · 4.125%
HK$83,517
baseline
▲ 0.50% · 4.625%
HK$87,919
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,034/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,095
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,679
−HK$2,626/mo
Today · 4.125%
HK$88,305
baseline
▲ 0.50% · 4.625%
HK$93,678
+HK$5,373/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,610/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,442
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,921
−HK$2,515/mo
Today · 4.125%
HK$97,436
baseline
▲ 0.50% · 4.625%
HK$102,572
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,872/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,836
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,159
−HK$3,376/mo
Today · 4.125%
HK$113,535
baseline
▲ 0.50% · 4.625%
HK$120,444
+HK$6,909/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,070/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,854
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,041
−HK$3,234/mo
Today · 4.125%
HK$125,275
baseline
▲ 0.50% · 4.625%
HK$131,879
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,550/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,242 · Scale 2, in force from 26 Feb 2026)