LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,447
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,878/mo
Today · 4.125%
HK$63,175
baseline
▲ 0.50% · 4.625%
HK$67,019
+HK$3,844/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,350/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,135
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,908
−HK$1,800/mo
Today · 4.125%
HK$69,708
baseline
▲ 0.50% · 4.625%
HK$73,382
+HK$3,674/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,416/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,337
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,556
−HK$2,254/mo
Today · 4.125%
HK$75,810
baseline
▲ 0.50% · 4.625%
HK$80,423
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,620/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,362
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,490
−HK$2,159/mo
Today · 4.125%
HK$83,649
baseline
▲ 0.50% · 4.625%
HK$88,059
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,298/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,226
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,815
−HK$2,631/mo
Today · 4.125%
HK$88,446
baseline
▲ 0.50% · 4.625%
HK$93,827
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,892/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,589
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,072
−HK$2,519/mo
Today · 4.125%
HK$97,591
baseline
▲ 0.50% · 4.625%
HK$102,735
+HK$5,144/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,182/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,005
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,334
−HK$3,382/mo
Today · 4.125%
HK$113,716
baseline
▲ 0.50% · 4.625%
HK$120,635
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,432/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,043
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$122,235
−HK$3,239/mo
Today · 4.125%
HK$125,474
baseline
▲ 0.50% · 4.625%
HK$132,088
+HK$6,614/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,948/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,107,998 · Scale 2, in force from 26 Feb 2026)