LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,424
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,272
−HK$1,878/mo
Today · 4.125%
HK$63,150
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,300/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,108
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$1,799/mo
Today · 4.125%
HK$69,680
baseline
▲ 0.50% · 4.625%
HK$73,353
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,360/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,308
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$2,254/mo
Today · 4.125%
HK$75,780
baseline
▲ 0.50% · 4.625%
HK$80,391
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,560/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,330
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,457
−HK$2,159/mo
Today · 4.125%
HK$83,616
baseline
▲ 0.50% · 4.625%
HK$88,023
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,232/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,193
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,781
−HK$2,629/mo
Today · 4.125%
HK$88,410
baseline
▲ 0.50% · 4.625%
HK$93,789
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,820/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,551
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,034
−HK$2,518/mo
Today · 4.125%
HK$97,552
baseline
▲ 0.50% · 4.625%
HK$102,694
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,104/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,962
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,290
−HK$3,380/mo
Today · 4.125%
HK$113,670
baseline
▲ 0.50% · 4.625%
HK$120,586
+HK$6,916/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,340/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,995
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,186
−HK$3,238/mo
Today · 4.125%
HK$125,424
baseline
▲ 0.50% · 4.625%
HK$132,035
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,848/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,552 · Scale 2, in force from 26 Feb 2026)