LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,355
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,202
−HK$1,876/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,916
+HK$3,838/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,032
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,803
−HK$1,797/mo
Today · 4.125%
HK$69,600
baseline
▲ 0.50% · 4.625%
HK$73,269
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,200/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,442
−HK$2,251/mo
Today · 4.125%
HK$75,693
baseline
▲ 0.50% · 4.625%
HK$80,299
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,386/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,239
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,364
−HK$2,156/mo
Today · 4.125%
HK$83,520
baseline
▲ 0.50% · 4.625%
HK$87,922
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,040/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,098
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,682
−HK$2,627/mo
Today · 4.125%
HK$88,309
baseline
▲ 0.50% · 4.625%
HK$93,682
+HK$5,373/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,618/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,445
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,925
−HK$2,515/mo
Today · 4.125%
HK$97,440
baseline
▲ 0.50% · 4.625%
HK$102,576
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,880/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,840
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,163
−HK$3,377/mo
Today · 4.125%
HK$113,540
baseline
▲ 0.50% · 4.625%
HK$120,448
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,080/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,858
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,046
−HK$3,234/mo
Today · 4.125%
HK$125,280
baseline
▲ 0.50% · 4.625%
HK$131,883
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,560/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,282 · Scale 2, in force from 26 Feb 2026)