LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,414
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,262
−HK$1,878/mo
Today · 4.125%
HK$63,140
baseline
▲ 0.50% · 4.625%
HK$66,982
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,280/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,098
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,870
−HK$1,799/mo
Today · 4.125%
HK$69,669
baseline
▲ 0.50% · 4.625%
HK$73,341
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,338/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,297
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,515
−HK$2,253/mo
Today · 4.125%
HK$75,768
baseline
▲ 0.50% · 4.625%
HK$80,378
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,536/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,317
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,445
−HK$2,158/mo
Today · 4.125%
HK$83,603
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,206/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,180
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,767
−HK$2,629/mo
Today · 4.125%
HK$88,396
baseline
▲ 0.50% · 4.625%
HK$93,775
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,792/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,537
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,019
−HK$2,517/mo
Today · 4.125%
HK$97,536
baseline
▲ 0.50% · 4.625%
HK$102,678
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,072/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,946
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$110,272
−HK$3,380/mo
Today · 4.125%
HK$113,652
baseline
▲ 0.50% · 4.625%
HK$120,568
+HK$6,916/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,304/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,976
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,167
−HK$3,237/mo
Today · 4.125%
HK$125,404
baseline
▲ 0.50% · 4.625%
HK$132,014
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,808/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,378 · Scale 2, in force from 26 Feb 2026)