LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,398
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,246
−HK$1,877/mo
Today · 4.125%
HK$63,123
baseline
▲ 0.50% · 4.625%
HK$66,964
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,246/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,080
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,852
−HK$1,798/mo
Today · 4.125%
HK$69,650
baseline
▲ 0.50% · 4.625%
HK$73,322
+HK$3,672/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,300/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,278
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,495
−HK$2,253/mo
Today · 4.125%
HK$75,748
baseline
▲ 0.50% · 4.625%
HK$80,357
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,496/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,423
−HK$2,157/mo
Today · 4.125%
HK$83,580
baseline
▲ 0.50% · 4.625%
HK$87,986
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,160/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,158
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,744
−HK$2,628/mo
Today · 4.125%
HK$88,372
baseline
▲ 0.50% · 4.625%
HK$93,750
+HK$5,378/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,744/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,512
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,993
−HK$2,517/mo
Today · 4.125%
HK$97,510
baseline
▲ 0.50% · 4.625%
HK$102,650
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,020/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,917
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,243
−HK$3,379/mo
Today · 4.125%
HK$113,622
baseline
▲ 0.50% · 4.625%
HK$120,535
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,244/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,944
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,134
−HK$3,236/mo
Today · 4.125%
HK$125,370
baseline
▲ 0.50% · 4.625%
HK$131,979
+HK$6,609/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,740/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,083 · Scale 2, in force from 26 Feb 2026)