LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,377
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,224
−HK$1,876/mo
Today · 4.125%
HK$63,100
baseline
▲ 0.50% · 4.625%
HK$66,940
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,200/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,056
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,828
−HK$1,797/mo
Today · 4.125%
HK$69,625
baseline
▲ 0.50% · 4.625%
HK$73,295
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,250/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,252
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,468
−HK$2,252/mo
Today · 4.125%
HK$75,720
baseline
▲ 0.50% · 4.625%
HK$80,328
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,440/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,267
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,393
−HK$2,157/mo
Today · 4.125%
HK$83,550
baseline
▲ 0.50% · 4.625%
HK$87,954
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,100/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,127
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,713
−HK$2,627/mo
Today · 4.125%
HK$88,340
baseline
▲ 0.50% · 4.625%
HK$93,716
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,680/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,478
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,959
−HK$2,516/mo
Today · 4.125%
HK$97,475
baseline
▲ 0.50% · 4.625%
HK$102,613
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,950/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,878
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,203
−HK$3,377/mo
Today · 4.125%
HK$113,580
baseline
▲ 0.50% · 4.625%
HK$120,491
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,160/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,901
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,090
−HK$3,235/mo
Today · 4.125%
HK$125,325
baseline
▲ 0.50% · 4.625%
HK$131,931
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,650/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,679 · Scale 2, in force from 26 Feb 2026)