LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,440
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,878/mo
Today · 4.125%
HK$63,167
baseline
▲ 0.50% · 4.625%
HK$67,011
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,334/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,126
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,900
−HK$1,799/mo
Today · 4.125%
HK$69,699
baseline
▲ 0.50% · 4.625%
HK$73,373
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,398/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,328
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,547
−HK$2,254/mo
Today · 4.125%
HK$75,801
baseline
▲ 0.50% · 4.625%
HK$80,413
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,602/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,480
−HK$2,159/mo
Today · 4.125%
HK$83,639
baseline
▲ 0.50% · 4.625%
HK$88,047
+HK$4,408/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,278/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,216
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,630/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,577
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,060
−HK$2,518/mo
Today · 4.125%
HK$97,578
baseline
▲ 0.50% · 4.625%
HK$102,722
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,156/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,992
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,320
−HK$3,381/mo
Today · 4.125%
HK$113,701
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,402/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,027
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,219
−HK$3,239/mo
Today · 4.125%
HK$125,458
baseline
▲ 0.50% · 4.625%
HK$132,071
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,916/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,855 · Scale 2, in force from 26 Feb 2026)