LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,382
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,229
−HK$1,876/mo
Today · 4.125%
HK$63,105
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,210/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,062
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,833
−HK$1,798/mo
Today · 4.125%
HK$69,631
baseline
▲ 0.50% · 4.625%
HK$73,301
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,262/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,475
−HK$2,252/mo
Today · 4.125%
HK$75,727
baseline
▲ 0.50% · 4.625%
HK$80,334
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,454/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,274
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,400
−HK$2,157/mo
Today · 4.125%
HK$83,557
baseline
▲ 0.50% · 4.625%
HK$87,961
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,114/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,134
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,720
−HK$2,628/mo
Today · 4.125%
HK$88,348
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,696/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,486
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,967
−HK$2,516/mo
Today · 4.125%
HK$97,483
baseline
▲ 0.50% · 4.625%
HK$102,621
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,966/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,887
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,212
−HK$3,378/mo
Today · 4.125%
HK$113,590
baseline
▲ 0.50% · 4.625%
HK$120,501
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,180/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,911
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,100
−HK$3,235/mo
Today · 4.125%
HK$125,335
baseline
▲ 0.50% · 4.625%
HK$131,942
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,670/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,772 · Scale 2, in force from 26 Feb 2026)