LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,444
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,294
−HK$1,878/mo
Today · 4.125%
HK$63,172
baseline
▲ 0.50% · 4.625%
HK$67,016
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,344/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,131
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,905
−HK$1,799/mo
Today · 4.125%
HK$69,704
baseline
▲ 0.50% · 4.625%
HK$73,378
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,408/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,333
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,552
−HK$2,255/mo
Today · 4.125%
HK$75,807
baseline
▲ 0.50% · 4.625%
HK$80,419
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,614/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,358
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,486
−HK$2,159/mo
Today · 4.125%
HK$83,645
baseline
▲ 0.50% · 4.625%
HK$88,054
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,290/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,811
−HK$2,630/mo
Today · 4.125%
HK$88,441
baseline
▲ 0.50% · 4.625%
HK$93,822
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,882/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,584
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,067
−HK$2,519/mo
Today · 4.125%
HK$97,586
baseline
▲ 0.50% · 4.625%
HK$102,730
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,172/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,000
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,328
−HK$3,382/mo
Today · 4.125%
HK$113,710
baseline
▲ 0.50% · 4.625%
HK$120,629
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,420/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,036
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,229
−HK$3,239/mo
Today · 4.125%
HK$125,468
baseline
▲ 0.50% · 4.625%
HK$132,081
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,936/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,942 · Scale 2, in force from 26 Feb 2026)