LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,388
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,877/mo
Today · 4.125%
HK$63,113
baseline
▲ 0.50% · 4.625%
HK$66,953
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,226/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,069
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,841
−HK$1,798/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,309
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,278/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,266
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,483
−HK$2,252/mo
Today · 4.125%
HK$75,735
baseline
▲ 0.50% · 4.625%
HK$80,343
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,470/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,283
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,409
−HK$2,157/mo
Today · 4.125%
HK$83,566
baseline
▲ 0.50% · 4.625%
HK$87,971
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,132/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,144
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,730
−HK$2,628/mo
Today · 4.125%
HK$88,358
baseline
▲ 0.50% · 4.625%
HK$93,734
+HK$5,376/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,716/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,497
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,977
−HK$2,517/mo
Today · 4.125%
HK$97,494
baseline
▲ 0.50% · 4.625%
HK$102,633
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,988/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,899
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,224
−HK$3,379/mo
Today · 4.125%
HK$113,603
baseline
▲ 0.50% · 4.625%
HK$120,515
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,206/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,924
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,114
−HK$3,235/mo
Today · 4.125%
HK$125,349
baseline
▲ 0.50% · 4.625%
HK$131,957
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,698/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,897 · Scale 2, in force from 26 Feb 2026)