LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,358
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,205
−HK$1,876/mo
Today · 4.125%
HK$63,081
baseline
▲ 0.50% · 4.625%
HK$66,919
+HK$3,838/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,162/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,035
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,807
−HK$1,796/mo
Today · 4.125%
HK$69,603
baseline
▲ 0.50% · 4.625%
HK$73,272
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,206/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,230
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,446
−HK$2,251/mo
Today · 4.125%
HK$75,697
baseline
▲ 0.50% · 4.625%
HK$80,303
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,394/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,243
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,368
−HK$2,156/mo
Today · 4.125%
HK$83,524
baseline
▲ 0.50% · 4.625%
HK$87,926
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,048/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,102
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,687
−HK$2,626/mo
Today · 4.125%
HK$88,313
baseline
▲ 0.50% · 4.625%
HK$93,686
+HK$5,373/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,626/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,450
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,929
−HK$2,515/mo
Today · 4.125%
HK$97,444
baseline
▲ 0.50% · 4.625%
HK$102,581
+HK$5,137/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,888/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,845
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,168
−HK$3,377/mo
Today · 4.125%
HK$113,545
baseline
▲ 0.50% · 4.625%
HK$120,454
+HK$6,909/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,090/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,864
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,052
−HK$3,234/mo
Today · 4.125%
HK$125,286
baseline
▲ 0.50% · 4.625%
HK$131,890
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,572/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,335 · Scale 2, in force from 26 Feb 2026)