LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,367
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,214
−HK$1,876/mo
Today · 4.125%
HK$63,090
baseline
▲ 0.50% · 4.625%
HK$66,929
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,180/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,046
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,817
−HK$1,797/mo
Today · 4.125%
HK$69,614
baseline
▲ 0.50% · 4.625%
HK$73,283
+HK$3,669/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,228/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,241
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,457
−HK$2,251/mo
Today · 4.125%
HK$75,708
baseline
▲ 0.50% · 4.625%
HK$80,315
+HK$4,607/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,416/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,255
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,380
−HK$2,157/mo
Today · 4.125%
HK$83,537
baseline
▲ 0.50% · 4.625%
HK$87,940
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,074/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,114
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,700
−HK$2,627/mo
Today · 4.125%
HK$88,327
baseline
▲ 0.50% · 4.625%
HK$93,701
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,654/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,464
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,944
−HK$2,516/mo
Today · 4.125%
HK$97,460
baseline
▲ 0.50% · 4.625%
HK$102,597
+HK$5,137/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,920/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,861
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,185
−HK$3,378/mo
Today · 4.125%
HK$113,563
baseline
▲ 0.50% · 4.625%
HK$120,473
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,126/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,882
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,071
−HK$3,234/mo
Today · 4.125%
HK$125,305
baseline
▲ 0.50% · 4.625%
HK$131,910
+HK$6,605/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,610/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,507 · Scale 2, in force from 26 Feb 2026)