LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,371
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,218
−HK$1,876/mo
Today · 4.125%
HK$63,094
baseline
▲ 0.50% · 4.625%
HK$66,933
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,188/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,050
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,821
−HK$1,797/mo
Today · 4.125%
HK$69,618
baseline
▲ 0.50% · 4.625%
HK$73,288
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,236/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,245
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,461
−HK$2,252/mo
Today · 4.125%
HK$75,713
baseline
▲ 0.50% · 4.625%
HK$80,320
+HK$4,607/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,426/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,259
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,385
−HK$2,157/mo
Today · 4.125%
HK$83,542
baseline
▲ 0.50% · 4.625%
HK$87,945
+HK$4,403/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,084/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,119
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,705
−HK$2,627/mo
Today · 4.125%
HK$88,332
baseline
▲ 0.50% · 4.625%
HK$93,706
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,664/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,469
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,949
−HK$2,516/mo
Today · 4.125%
HK$97,465
baseline
▲ 0.50% · 4.625%
HK$102,603
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,930/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,868
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$110,192
−HK$3,377/mo
Today · 4.125%
HK$113,569
baseline
▲ 0.50% · 4.625%
HK$120,480
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,138/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,889
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,078
−HK$3,234/mo
Today · 4.125%
HK$125,312
baseline
▲ 0.50% · 4.625%
HK$131,918
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,624/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,571 · Scale 2, in force from 26 Feb 2026)