LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,411
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,259
−HK$1,877/mo
Today · 4.125%
HK$63,136
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,272/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,094
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,866
−HK$1,799/mo
Today · 4.125%
HK$69,665
baseline
▲ 0.50% · 4.625%
HK$73,337
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,330/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,293
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,510
−HK$2,254/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,313
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,440
−HK$2,158/mo
Today · 4.125%
HK$83,598
baseline
▲ 0.50% · 4.625%
HK$88,004
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,196/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,175
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,762
−HK$2,629/mo
Today · 4.125%
HK$88,391
baseline
▲ 0.50% · 4.625%
HK$93,769
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,782/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,531
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,013
−HK$2,517/mo
Today · 4.125%
HK$97,530
baseline
▲ 0.50% · 4.625%
HK$102,671
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,060/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,939
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,266
−HK$3,379/mo
Today · 4.125%
HK$113,645
baseline
▲ 0.50% · 4.625%
HK$120,560
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,290/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,969
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,160
−HK$3,236/mo
Today · 4.125%
HK$125,396
baseline
▲ 0.50% · 4.625%
HK$132,006
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,792/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,312 · Scale 2, in force from 26 Feb 2026)