LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,418
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,267
−HK$1,877/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,987
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,102
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,875
−HK$1,799/mo
Today · 4.125%
HK$69,674
baseline
▲ 0.50% · 4.625%
HK$73,346
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,348/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,302
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,520
−HK$2,253/mo
Today · 4.125%
HK$75,773
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,546/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,450
−HK$2,158/mo
Today · 4.125%
HK$83,608
baseline
▲ 0.50% · 4.625%
HK$88,015
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,216/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,186
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,773
−HK$2,629/mo
Today · 4.125%
HK$88,402
baseline
▲ 0.50% · 4.625%
HK$93,781
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,804/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,543
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,025
−HK$2,518/mo
Today · 4.125%
HK$97,543
baseline
▲ 0.50% · 4.625%
HK$102,685
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,086/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,953
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,280
−HK$3,380/mo
Today · 4.125%
HK$113,660
baseline
▲ 0.50% · 4.625%
HK$120,576
+HK$6,916/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,320/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,984
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,175
−HK$3,237/mo
Today · 4.125%
HK$125,412
baseline
▲ 0.50% · 4.625%
HK$132,023
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,824/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,454 · Scale 2, in force from 26 Feb 2026)