LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,384
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,231
−HK$1,876/mo
Today · 4.125%
HK$63,107
baseline
▲ 0.50% · 4.625%
HK$66,947
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,214/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,064
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,835
−HK$1,798/mo
Today · 4.125%
HK$69,633
baseline
▲ 0.50% · 4.625%
HK$73,303
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,266/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,260
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,477
−HK$2,252/mo
Today · 4.125%
HK$75,729
baseline
▲ 0.50% · 4.625%
HK$80,337
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,458/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,276
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,403
−HK$2,156/mo
Today · 4.125%
HK$83,559
baseline
▲ 0.50% · 4.625%
HK$87,964
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,118/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,137
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,723
−HK$2,627/mo
Today · 4.125%
HK$88,350
baseline
▲ 0.50% · 4.625%
HK$93,726
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,700/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,489
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,970
−HK$2,516/mo
Today · 4.125%
HK$97,486
baseline
▲ 0.50% · 4.625%
HK$102,625
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,972/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,891
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,215
−HK$3,378/mo
Today · 4.125%
HK$113,593
baseline
▲ 0.50% · 4.625%
HK$120,505
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,186/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,915
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,104
−HK$3,235/mo
Today · 4.125%
HK$125,339
baseline
▲ 0.50% · 4.625%
HK$131,946
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,678/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,807 · Scale 2, in force from 26 Feb 2026)