LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,359
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,205
−HK$1,876/mo
Today · 4.125%
HK$63,081
baseline
▲ 0.50% · 4.625%
HK$66,920
+HK$3,839/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$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,036
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,807
−HK$1,797/mo
Today · 4.125%
HK$69,604
baseline
▲ 0.50% · 4.625%
HK$73,273
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,208/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,231
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,446
−HK$2,252/mo
Today · 4.125%
HK$75,698
baseline
▲ 0.50% · 4.625%
HK$80,304
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,396/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,244
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,369
−HK$2,156/mo
Today · 4.125%
HK$83,525
baseline
▲ 0.50% · 4.625%
HK$87,928
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,050/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,103
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,688
−HK$2,626/mo
Today · 4.125%
HK$88,314
baseline
▲ 0.50% · 4.625%
HK$93,688
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,628/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,451
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,930
−HK$2,516/mo
Today · 4.125%
HK$97,446
baseline
▲ 0.50% · 4.625%
HK$102,582
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,892/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,846
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,170
−HK$3,376/mo
Today · 4.125%
HK$113,546
baseline
▲ 0.50% · 4.625%
HK$120,455
+HK$6,909/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,092/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,865
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,053
−HK$3,234/mo
Today · 4.125%
HK$125,287
baseline
▲ 0.50% · 4.625%
HK$131,891
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,574/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,348 · Scale 2, in force from 26 Feb 2026)