LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,412
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,878/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,980
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,096
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,868
−HK$1,799/mo
Today · 4.125%
HK$69,667
baseline
▲ 0.50% · 4.625%
HK$73,339
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,334/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,295
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,513
−HK$2,253/mo
Today · 4.125%
HK$75,766
baseline
▲ 0.50% · 4.625%
HK$80,376
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,532/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,315
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,442
−HK$2,158/mo
Today · 4.125%
HK$83,600
baseline
▲ 0.50% · 4.625%
HK$88,007
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,200/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,177
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,765
−HK$2,628/mo
Today · 4.125%
HK$88,393
baseline
▲ 0.50% · 4.625%
HK$93,772
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,786/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,016
−HK$2,517/mo
Today · 4.125%
HK$97,533
baseline
▲ 0.50% · 4.625%
HK$102,674
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,066/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,942
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,269
−HK$3,380/mo
Today · 4.125%
HK$113,649
baseline
▲ 0.50% · 4.625%
HK$120,564
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,298/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,972
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,163
−HK$3,237/mo
Today · 4.125%
HK$125,400
baseline
▲ 0.50% · 4.625%
HK$132,010
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,800/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,344 · Scale 2, in force from 26 Feb 2026)