LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,428
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,878/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,998
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$1,798/mo
Today · 4.125%
HK$69,685
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,370/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,314
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,532
−HK$2,254/mo
Today · 4.125%
HK$75,786
baseline
▲ 0.50% · 4.625%
HK$80,398
+HK$4,612/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,572/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,336
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,464
−HK$2,158/mo
Today · 4.125%
HK$83,622
baseline
▲ 0.50% · 4.625%
HK$88,030
+HK$4,408/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,244/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,200
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,788
−HK$2,629/mo
Today · 4.125%
HK$88,417
baseline
▲ 0.50% · 4.625%
HK$93,797
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,834/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,559
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,041
−HK$2,519/mo
Today · 4.125%
HK$97,560
baseline
▲ 0.50% · 4.625%
HK$102,702
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,120/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,971
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,299
−HK$3,380/mo
Today · 4.125%
HK$113,679
baseline
▲ 0.50% · 4.625%
HK$120,596
+HK$6,917/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,358/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,004
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,196
−HK$3,238/mo
Today · 4.125%
HK$125,434
baseline
▲ 0.50% · 4.625%
HK$132,046
+HK$6,612/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,868/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,642 · Scale 2, in force from 26 Feb 2026)