LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,386
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,233
−HK$1,877/mo
Today · 4.125%
HK$63,110
baseline
▲ 0.50% · 4.625%
HK$66,950
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,220/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,066
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,838
−HK$1,797/mo
Today · 4.125%
HK$69,635
baseline
▲ 0.50% · 4.625%
HK$73,306
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,270/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,263
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,479
−HK$2,252/mo
Today · 4.125%
HK$75,731
baseline
▲ 0.50% · 4.625%
HK$80,340
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,462/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,279
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,405
−HK$2,157/mo
Today · 4.125%
HK$83,562
baseline
▲ 0.50% · 4.625%
HK$87,967
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,124/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,140
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,726
−HK$2,627/mo
Today · 4.125%
HK$88,353
baseline
▲ 0.50% · 4.625%
HK$93,729
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,706/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,492
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,973
−HK$2,516/mo
Today · 4.125%
HK$97,489
baseline
▲ 0.50% · 4.625%
HK$102,628
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,978/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,894
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$110,219
−HK$3,378/mo
Today · 4.125%
HK$113,597
baseline
▲ 0.50% · 4.625%
HK$120,509
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,194/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,918
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,108
−HK$3,235/mo
Today · 4.125%
HK$125,343
baseline
▲ 0.50% · 4.625%
HK$131,950
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,686/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,843 · Scale 2, in force from 26 Feb 2026)