LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,441
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,290
−HK$1,878/mo
Today · 4.125%
HK$63,168
baseline
▲ 0.50% · 4.625%
HK$67,012
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,336/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,127
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,901
−HK$1,799/mo
Today · 4.125%
HK$69,700
baseline
▲ 0.50% · 4.625%
HK$73,374
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,400/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,329
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$2,254/mo
Today · 4.125%
HK$75,802
baseline
▲ 0.50% · 4.625%
HK$80,414
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,604/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,353
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,481
−HK$2,159/mo
Today · 4.125%
HK$83,640
baseline
▲ 0.50% · 4.625%
HK$88,049
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,280/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,217
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,805
−HK$2,630/mo
Today · 4.125%
HK$88,435
baseline
▲ 0.50% · 4.625%
HK$93,816
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,870/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,578
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,061
−HK$2,519/mo
Today · 4.125%
HK$97,580
baseline
▲ 0.50% · 4.625%
HK$102,723
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,160/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,993
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,321
−HK$3,382/mo
Today · 4.125%
HK$113,703
baseline
▲ 0.50% · 4.625%
HK$120,621
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,406/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,029
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,221
−HK$3,239/mo
Today · 4.125%
HK$125,460
baseline
▲ 0.50% · 4.625%
HK$132,073
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,920/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,871 · Scale 2, in force from 26 Feb 2026)