LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,450
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,299
−HK$1,879/mo
Today · 4.125%
HK$63,178
baseline
▲ 0.50% · 4.625%
HK$67,022
+HK$3,844/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,356/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,137
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,911
−HK$1,799/mo
Today · 4.125%
HK$69,710
baseline
▲ 0.50% · 4.625%
HK$73,385
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,420/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,340
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,559
−HK$2,254/mo
Today · 4.125%
HK$75,813
baseline
▲ 0.50% · 4.625%
HK$80,426
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,626/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,365
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,493
−HK$2,159/mo
Today · 4.125%
HK$83,652
baseline
▲ 0.50% · 4.625%
HK$88,062
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,304/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,229
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,818
−HK$2,631/mo
Today · 4.125%
HK$88,449
baseline
▲ 0.50% · 4.625%
HK$93,831
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,898/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,592
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,075
−HK$2,519/mo
Today · 4.125%
HK$97,594
baseline
▲ 0.50% · 4.625%
HK$102,739
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,188/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,009
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,338
−HK$3,382/mo
Today · 4.125%
HK$113,720
baseline
▲ 0.50% · 4.625%
HK$120,639
+HK$6,919/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,440/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,047
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,240
−HK$3,239/mo
Today · 4.125%
HK$125,479
baseline
▲ 0.50% · 4.625%
HK$132,093
+HK$6,614/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,958/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,038 · Scale 2, in force from 26 Feb 2026)