LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,444
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,293
−HK$1,878/mo
Today · 4.125%
HK$63,171
baseline
▲ 0.50% · 4.625%
HK$67,015
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,342/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,130
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,904
−HK$1,799/mo
Today · 4.125%
HK$69,703
baseline
▲ 0.50% · 4.625%
HK$73,377
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,406/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,332
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,551
−HK$2,254/mo
Today · 4.125%
HK$75,805
baseline
▲ 0.50% · 4.625%
HK$80,418
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,610/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,356
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,485
−HK$2,159/mo
Today · 4.125%
HK$83,644
baseline
▲ 0.50% · 4.625%
HK$88,053
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,288/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,221
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,810
−HK$2,630/mo
Today · 4.125%
HK$88,440
baseline
▲ 0.50% · 4.625%
HK$93,821
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,880/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,583
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,066
−HK$2,519/mo
Today · 4.125%
HK$97,585
baseline
▲ 0.50% · 4.625%
HK$102,728
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,170/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,998
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,327
−HK$3,381/mo
Today · 4.125%
HK$113,708
baseline
▲ 0.50% · 4.625%
HK$120,627
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,416/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,035
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,227
−HK$3,239/mo
Today · 4.125%
HK$125,466
baseline
▲ 0.50% · 4.625%
HK$132,079
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,932/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,925 · Scale 2, in force from 26 Feb 2026)