LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,369
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,215
−HK$1,876/mo
Today · 4.125%
HK$63,091
baseline
▲ 0.50% · 4.625%
HK$66,930
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,182/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,047
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,818
−HK$1,797/mo
Today · 4.125%
HK$69,615
baseline
▲ 0.50% · 4.625%
HK$73,285
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,230/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,242
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$2,252/mo
Today · 4.125%
HK$75,710
baseline
▲ 0.50% · 4.625%
HK$80,316
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,420/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,256
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,382
−HK$2,156/mo
Today · 4.125%
HK$83,538
baseline
▲ 0.50% · 4.625%
HK$87,942
+HK$4,404/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,076/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,116
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,701
−HK$2,627/mo
Today · 4.125%
HK$88,328
baseline
▲ 0.50% · 4.625%
HK$93,703
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,656/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,466
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,946
−HK$2,515/mo
Today · 4.125%
HK$97,461
baseline
▲ 0.50% · 4.625%
HK$102,599
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,922/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,863
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,187
−HK$3,378/mo
Today · 4.125%
HK$113,565
baseline
▲ 0.50% · 4.625%
HK$120,475
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,130/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,884
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,073
−HK$3,234/mo
Today · 4.125%
HK$125,307
baseline
▲ 0.50% · 4.625%
HK$131,912
+HK$6,605/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,614/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,526 · Scale 2, in force from 26 Feb 2026)