LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,410
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,258
−HK$1,877/mo
Today · 4.125%
HK$63,135
baseline
▲ 0.50% · 4.625%
HK$66,977
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,270/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,093
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,865
−HK$1,798/mo
Today · 4.125%
HK$69,663
baseline
▲ 0.50% · 4.625%
HK$73,336
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,326/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,509
−HK$2,253/mo
Today · 4.125%
HK$75,762
baseline
▲ 0.50% · 4.625%
HK$80,372
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,524/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,311
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,438
−HK$2,158/mo
Today · 4.125%
HK$83,596
baseline
▲ 0.50% · 4.625%
HK$88,003
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,192/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,761
−HK$2,628/mo
Today · 4.125%
HK$88,389
baseline
▲ 0.50% · 4.625%
HK$93,768
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,778/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,530
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,011
−HK$2,518/mo
Today · 4.125%
HK$97,529
baseline
▲ 0.50% · 4.625%
HK$102,670
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,058/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,937
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,264
−HK$3,379/mo
Today · 4.125%
HK$113,643
baseline
▲ 0.50% · 4.625%
HK$120,558
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,286/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,967
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,158
−HK$3,236/mo
Today · 4.125%
HK$125,394
baseline
▲ 0.50% · 4.625%
HK$132,004
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,788/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,294 · Scale 2, in force from 26 Feb 2026)