LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,399
−HK$3,724/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$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,080
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,853
−HK$1,797/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$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,278
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,496
−HK$2,252/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$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,423
−HK$2,158/mo
Today · 4.125%
HK$83,581
baseline
▲ 0.50% · 4.625%
HK$87,986
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,162/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,158
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,745
−HK$2,628/mo
Today · 4.125%
HK$88,373
baseline
▲ 0.50% · 4.625%
HK$93,750
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,746/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,513
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,994
−HK$2,517/mo
Today · 4.125%
HK$97,511
baseline
▲ 0.50% · 4.625%
HK$102,651
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,022/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,918
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,243
−HK$3,379/mo
Today · 4.125%
HK$113,622
baseline
▲ 0.50% · 4.625%
HK$120,536
+HK$6,914/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$1,107,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,945
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,135
−HK$3,236/mo
Today · 4.125%
HK$125,371
baseline
▲ 0.50% · 4.625%
HK$131,979
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,742/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,087 · Scale 2, in force from 26 Feb 2026)