LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,413
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,261
−HK$1,878/mo
Today · 4.125%
HK$63,139
baseline
▲ 0.50% · 4.625%
HK$66,981
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,278/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,097
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,869
−HK$1,799/mo
Today · 4.125%
HK$69,668
baseline
▲ 0.50% · 4.625%
HK$73,340
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,336/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,296
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,514
−HK$2,253/mo
Today · 4.125%
HK$75,767
baseline
▲ 0.50% · 4.625%
HK$80,377
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,534/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,316
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,443
−HK$2,158/mo
Today · 4.125%
HK$83,601
baseline
▲ 0.50% · 4.625%
HK$88,008
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,202/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,179
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,766
−HK$2,629/mo
Today · 4.125%
HK$88,395
baseline
▲ 0.50% · 4.625%
HK$93,773
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,790/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,535
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,017
−HK$2,518/mo
Today · 4.125%
HK$97,535
baseline
▲ 0.50% · 4.625%
HK$102,676
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,070/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,944
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,270
−HK$3,380/mo
Today · 4.125%
HK$113,650
baseline
▲ 0.50% · 4.625%
HK$120,566
+HK$6,916/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,300/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,974
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,165
−HK$3,237/mo
Today · 4.125%
HK$125,402
baseline
▲ 0.50% · 4.625%
HK$132,012
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,804/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,361 · Scale 2, in force from 26 Feb 2026)