LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,412
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,877/mo
Today · 4.125%
HK$63,137
baseline
▲ 0.50% · 4.625%
HK$66,979
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,274/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,095
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,867
−HK$1,799/mo
Today · 4.125%
HK$69,666
baseline
▲ 0.50% · 4.625%
HK$73,338
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,332/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,294
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,512
−HK$2,253/mo
Today · 4.125%
HK$75,765
baseline
▲ 0.50% · 4.625%
HK$80,375
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,530/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,314
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,441
−HK$2,158/mo
Today · 4.125%
HK$83,599
baseline
▲ 0.50% · 4.625%
HK$88,005
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,198/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,176
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,764
−HK$2,628/mo
Today · 4.125%
HK$88,392
baseline
▲ 0.50% · 4.625%
HK$93,771
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,784/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,533
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,014
−HK$2,518/mo
Today · 4.125%
HK$97,532
baseline
▲ 0.50% · 4.625%
HK$102,673
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,064/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,941
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,267
−HK$3,380/mo
Today · 4.125%
HK$113,647
baseline
▲ 0.50% · 4.625%
HK$120,562
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,294/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,971
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,161
−HK$3,237/mo
Today · 4.125%
HK$125,398
baseline
▲ 0.50% · 4.625%
HK$132,008
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,796/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,329 · Scale 2, in force from 26 Feb 2026)