LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,392
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,877/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,073
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,845
−HK$1,798/mo
Today · 4.125%
HK$69,643
baseline
▲ 0.50% · 4.625%
HK$73,314
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,286/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,270
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,487
−HK$2,253/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$80,348
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,288
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,414
−HK$2,157/mo
Today · 4.125%
HK$83,571
baseline
▲ 0.50% · 4.625%
HK$87,976
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,142/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,149
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,735
−HK$2,628/mo
Today · 4.125%
HK$88,363
baseline
▲ 0.50% · 4.625%
HK$93,740
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,726/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,502
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,983
−HK$2,517/mo
Today · 4.125%
HK$97,500
baseline
▲ 0.50% · 4.625%
HK$102,639
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,000/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,906
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,231
−HK$3,379/mo
Today · 4.125%
HK$113,610
baseline
▲ 0.50% · 4.625%
HK$120,522
+HK$6,912/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,220/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,931
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,121
−HK$3,236/mo
Today · 4.125%
HK$125,357
baseline
▲ 0.50% · 4.625%
HK$131,965
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,714/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,964 · Scale 2, in force from 26 Feb 2026)