LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,438
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,286
−HK$1,879/mo
Today · 4.125%
HK$63,165
baseline
▲ 0.50% · 4.625%
HK$67,008
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,330/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,124
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,897
−HK$1,799/mo
Today · 4.125%
HK$69,696
baseline
▲ 0.50% · 4.625%
HK$73,370
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,392/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,325
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,544
−HK$2,254/mo
Today · 4.125%
HK$75,798
baseline
▲ 0.50% · 4.625%
HK$80,410
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,596/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,348
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,477
−HK$2,158/mo
Today · 4.125%
HK$83,635
baseline
▲ 0.50% · 4.625%
HK$88,044
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,270/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,213
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,801
−HK$2,630/mo
Today · 4.125%
HK$88,431
baseline
▲ 0.50% · 4.625%
HK$93,812
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,862/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,573
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,056
−HK$2,519/mo
Today · 4.125%
HK$97,575
baseline
▲ 0.50% · 4.625%
HK$102,718
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,150/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,988
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,316
−HK$3,381/mo
Today · 4.125%
HK$113,697
baseline
▲ 0.50% · 4.625%
HK$120,615
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,394/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,023
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,215
−HK$3,238/mo
Today · 4.125%
HK$125,453
baseline
▲ 0.50% · 4.625%
HK$132,066
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,906/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,813 · Scale 2, in force from 26 Feb 2026)