LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,378
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,225
−HK$1,877/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,941
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,058
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,829
−HK$1,798/mo
Today · 4.125%
HK$69,627
baseline
▲ 0.50% · 4.625%
HK$73,297
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,254/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,254
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,470
−HK$2,252/mo
Today · 4.125%
HK$75,722
baseline
▲ 0.50% · 4.625%
HK$80,330
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,444/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,269
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,395
−HK$2,157/mo
Today · 4.125%
HK$83,552
baseline
▲ 0.50% · 4.625%
HK$87,956
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,104/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,130
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,628/mo
Today · 4.125%
HK$88,343
baseline
▲ 0.50% · 4.625%
HK$93,718
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,686/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,481
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,961
−HK$2,516/mo
Today · 4.125%
HK$97,477
baseline
▲ 0.50% · 4.625%
HK$102,615
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,954/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,881
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,205
−HK$3,378/mo
Today · 4.125%
HK$113,583
baseline
▲ 0.50% · 4.625%
HK$120,494
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,166/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,904
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,093
−HK$3,235/mo
Today · 4.125%
HK$125,328
baseline
▲ 0.50% · 4.625%
HK$131,934
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,656/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,707 · Scale 2, in force from 26 Feb 2026)