LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,380
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,227
−HK$1,877/mo
Today · 4.125%
HK$63,104
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,208/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,060
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,832
−HK$1,797/mo
Today · 4.125%
HK$69,629
baseline
▲ 0.50% · 4.625%
HK$73,299
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,258/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,256
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,473
−HK$2,252/mo
Today · 4.125%
HK$75,725
baseline
▲ 0.50% · 4.625%
HK$80,332
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,450/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,272
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,398
−HK$2,157/mo
Today · 4.125%
HK$83,555
baseline
▲ 0.50% · 4.625%
HK$87,959
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,110/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,132
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,718
−HK$2,627/mo
Today · 4.125%
HK$88,345
baseline
▲ 0.50% · 4.625%
HK$93,721
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,690/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,484
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,964
−HK$2,516/mo
Today · 4.125%
HK$97,480
baseline
▲ 0.50% · 4.625%
HK$102,619
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,960/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,884
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,209
−HK$3,378/mo
Today · 4.125%
HK$113,587
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,174/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,908
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,097
−HK$3,235/mo
Today · 4.125%
HK$125,332
baseline
▲ 0.50% · 4.625%
HK$131,938
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,664/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,743 · Scale 2, in force from 26 Feb 2026)