LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,386
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,234
−HK$1,876/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$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,067
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$67,839
−HK$1,797/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,307
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,264
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,480
−HK$2,252/mo
Today · 4.125%
HK$75,732
baseline
▲ 0.50% · 4.625%
HK$80,341
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,464/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,280
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,406
−HK$2,157/mo
Today · 4.125%
HK$83,563
baseline
▲ 0.50% · 4.625%
HK$87,968
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,126/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,141
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,727
−HK$2,627/mo
Today · 4.125%
HK$88,354
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,708/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,493
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,974
−HK$2,516/mo
Today · 4.125%
HK$97,490
baseline
▲ 0.50% · 4.625%
HK$102,629
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,980/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,895
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,220
−HK$3,379/mo
Today · 4.125%
HK$113,599
baseline
▲ 0.50% · 4.625%
HK$120,511
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,198/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,920
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,109
−HK$3,236/mo
Today · 4.125%
HK$125,345
baseline
▲ 0.50% · 4.625%
HK$131,952
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,690/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,858 · Scale 2, in force from 26 Feb 2026)