LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,354
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,876/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,914
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,031
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,802
−HK$1,796/mo
Today · 4.125%
HK$69,598
baseline
▲ 0.50% · 4.625%
HK$73,267
+HK$3,669/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,196/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,225
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,440
−HK$2,251/mo
Today · 4.125%
HK$75,691
baseline
▲ 0.50% · 4.625%
HK$80,297
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,382/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,237
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,362
−HK$2,156/mo
Today · 4.125%
HK$83,518
baseline
▲ 0.50% · 4.625%
HK$87,920
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,036/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,626/mo
Today · 4.125%
HK$88,306
baseline
▲ 0.50% · 4.625%
HK$93,680
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,612/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,443
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,922
−HK$2,515/mo
Today · 4.125%
HK$97,437
baseline
▲ 0.50% · 4.625%
HK$102,573
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,874/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,837
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,160
−HK$3,377/mo
Today · 4.125%
HK$113,537
baseline
▲ 0.50% · 4.625%
HK$120,445
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,074/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,855
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,043
−HK$3,234/mo
Today · 4.125%
HK$125,277
baseline
▲ 0.50% · 4.625%
HK$131,880
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,554/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,255 · Scale 2, in force from 26 Feb 2026)