LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,408
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,256
−HK$1,877/mo
Today · 4.125%
HK$63,133
baseline
▲ 0.50% · 4.625%
HK$66,975
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,266/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,091
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,863
−HK$1,798/mo
Today · 4.125%
HK$69,661
baseline
▲ 0.50% · 4.625%
HK$73,333
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,322/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,289
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,507
−HK$2,253/mo
Today · 4.125%
HK$75,760
baseline
▲ 0.50% · 4.625%
HK$80,370
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,520/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,309
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,436
−HK$2,158/mo
Today · 4.125%
HK$83,594
baseline
▲ 0.50% · 4.625%
HK$88,000
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,188/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,171
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,629/mo
Today · 4.125%
HK$88,387
baseline
▲ 0.50% · 4.625%
HK$93,765
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,774/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,527
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,008
−HK$2,518/mo
Today · 4.125%
HK$97,526
baseline
▲ 0.50% · 4.625%
HK$102,667
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,052/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,934
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,260
−HK$3,380/mo
Today · 4.125%
HK$113,640
baseline
▲ 0.50% · 4.625%
HK$120,555
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,280/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,963
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,154
−HK$3,236/mo
Today · 4.125%
HK$125,390
baseline
▲ 0.50% · 4.625%
HK$132,000
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,780/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,259 · Scale 2, in force from 26 Feb 2026)