LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,445
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,294
−HK$1,879/mo
Today · 4.125%
HK$63,173
baseline
▲ 0.50% · 4.625%
HK$67,017
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,346/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,132
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,906
−HK$1,799/mo
Today · 4.125%
HK$69,705
baseline
▲ 0.50% · 4.625%
HK$73,379
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,410/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,334
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,553
−HK$2,255/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$80,420
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,359
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,159/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,055
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,223
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,812
−HK$2,630/mo
Today · 4.125%
HK$88,442
baseline
▲ 0.50% · 4.625%
HK$93,824
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,884/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,585
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,068
−HK$2,519/mo
Today · 4.125%
HK$97,587
baseline
▲ 0.50% · 4.625%
HK$102,731
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,174/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,001
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$110,330
−HK$3,381/mo
Today · 4.125%
HK$113,711
baseline
▲ 0.50% · 4.625%
HK$120,630
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,422/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,038
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,231
−HK$3,238/mo
Today · 4.125%
HK$125,469
baseline
▲ 0.50% · 4.625%
HK$132,083
+HK$6,614/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,938/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,956 · Scale 2, in force from 26 Feb 2026)