LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,389
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,237
−HK$1,877/mo
Today · 4.125%
HK$63,114
baseline
▲ 0.50% · 4.625%
HK$66,954
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,228/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,070
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,842
−HK$1,798/mo
Today · 4.125%
HK$69,640
baseline
▲ 0.50% · 4.625%
HK$73,310
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,280/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,267
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$2,252/mo
Today · 4.125%
HK$75,736
baseline
▲ 0.50% · 4.625%
HK$80,345
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,472/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,284
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,410
−HK$2,158/mo
Today · 4.125%
HK$83,568
baseline
▲ 0.50% · 4.625%
HK$87,973
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,136/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,145
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,731
−HK$2,628/mo
Today · 4.125%
HK$88,359
baseline
▲ 0.50% · 4.625%
HK$93,736
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,718/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,498
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,979
−HK$2,517/mo
Today · 4.125%
HK$97,496
baseline
▲ 0.50% · 4.625%
HK$102,635
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,992/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,901
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,226
−HK$3,379/mo
Today · 4.125%
HK$113,605
baseline
▲ 0.50% · 4.625%
HK$120,517
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,210/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,926
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,116
−HK$3,235/mo
Today · 4.125%
HK$125,351
baseline
▲ 0.50% · 4.625%
HK$131,959
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,702/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,915 · Scale 2, in force from 26 Feb 2026)