LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,426
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,275
−HK$1,878/mo
Today · 4.125%
HK$63,153
baseline
▲ 0.50% · 4.625%
HK$66,996
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,306/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,111
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,884
−HK$1,799/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,356
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,312
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,530
−HK$2,254/mo
Today · 4.125%
HK$75,784
baseline
▲ 0.50% · 4.625%
HK$80,395
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,568/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,334
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,461
−HK$2,159/mo
Today · 4.125%
HK$83,620
baseline
▲ 0.50% · 4.625%
HK$88,027
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,240/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,197
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,785
−HK$2,629/mo
Today · 4.125%
HK$88,414
baseline
▲ 0.50% · 4.625%
HK$93,794
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,828/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,556
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,038
−HK$2,518/mo
Today · 4.125%
HK$97,556
baseline
▲ 0.50% · 4.625%
HK$102,699
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,112/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,295
−HK$3,380/mo
Today · 4.125%
HK$113,675
baseline
▲ 0.50% · 4.625%
HK$120,592
+HK$6,917/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,350/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,000
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,192
−HK$3,238/mo
Today · 4.125%
HK$125,430
baseline
▲ 0.50% · 4.625%
HK$132,041
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,860/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,605 · Scale 2, in force from 26 Feb 2026)