LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,372
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,219
−HK$1,876/mo
Today · 4.125%
HK$63,095
baseline
▲ 0.50% · 4.625%
HK$66,935
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,190/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,051
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,822
−HK$1,797/mo
Today · 4.125%
HK$69,619
baseline
▲ 0.50% · 4.625%
HK$73,289
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,238/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,247
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,463
−HK$2,251/mo
Today · 4.125%
HK$75,714
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,428/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,156/mo
Today · 4.125%
HK$83,543
baseline
▲ 0.50% · 4.625%
HK$87,947
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,086/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,121
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,707
−HK$2,626/mo
Today · 4.125%
HK$88,333
baseline
▲ 0.50% · 4.625%
HK$93,708
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,666/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,471
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,951
−HK$2,516/mo
Today · 4.125%
HK$97,467
baseline
▲ 0.50% · 4.625%
HK$102,605
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,934/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,870
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,194
−HK$3,378/mo
Today · 4.125%
HK$113,572
baseline
▲ 0.50% · 4.625%
HK$120,482
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,144/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,892
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,080
−HK$3,235/mo
Today · 4.125%
HK$125,315
baseline
▲ 0.50% · 4.625%
HK$131,921
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,630/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,594 · Scale 2, in force from 26 Feb 2026)