LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,429
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,278
−HK$1,878/mo
Today · 4.125%
HK$63,156
baseline
▲ 0.50% · 4.625%
HK$66,999
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,312/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,114
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,887
−HK$1,799/mo
Today · 4.125%
HK$69,686
baseline
▲ 0.50% · 4.625%
HK$73,359
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,372/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,315
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$2,254/mo
Today · 4.125%
HK$75,787
baseline
▲ 0.50% · 4.625%
HK$80,398
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,574/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,465
−HK$2,158/mo
Today · 4.125%
HK$83,623
baseline
▲ 0.50% · 4.625%
HK$88,031
+HK$4,408/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,246/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,201
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,789
−HK$2,629/mo
Today · 4.125%
HK$88,418
baseline
▲ 0.50% · 4.625%
HK$93,798
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,836/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,560
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,042
−HK$2,519/mo
Today · 4.125%
HK$97,561
baseline
▲ 0.50% · 4.625%
HK$102,703
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,122/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,972
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,300
−HK$3,380/mo
Today · 4.125%
HK$113,680
baseline
▲ 0.50% · 4.625%
HK$120,598
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,360/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,006
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,197
−HK$3,238/mo
Today · 4.125%
HK$125,435
baseline
▲ 0.50% · 4.625%
HK$132,047
+HK$6,612/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,870/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,654 · Scale 2, in force from 26 Feb 2026)