LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,395
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,243
−HK$1,877/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,077
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,849
−HK$1,798/mo
Today · 4.125%
HK$69,647
baseline
▲ 0.50% · 4.625%
HK$73,318
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,294/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,274
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$2,253/mo
Today · 4.125%
HK$75,744
baseline
▲ 0.50% · 4.625%
HK$80,353
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,488/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,292
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,157/mo
Today · 4.125%
HK$83,576
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,152/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,153
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,740
−HK$2,628/mo
Today · 4.125%
HK$88,368
baseline
▲ 0.50% · 4.625%
HK$93,745
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,736/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,507
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,988
−HK$2,517/mo
Today · 4.125%
HK$97,505
baseline
▲ 0.50% · 4.625%
HK$102,645
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,010/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,911
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,237
−HK$3,379/mo
Today · 4.125%
HK$113,616
baseline
▲ 0.50% · 4.625%
HK$120,529
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,232/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,938
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,128
−HK$3,236/mo
Today · 4.125%
HK$125,364
baseline
▲ 0.50% · 4.625%
HK$131,972
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,728/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,024 · Scale 2, in force from 26 Feb 2026)