LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,451
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,300
−HK$1,879/mo
Today · 4.125%
HK$63,179
baseline
▲ 0.50% · 4.625%
HK$67,023
+HK$3,844/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,358/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,138
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,912
−HK$1,800/mo
Today · 4.125%
HK$69,712
baseline
▲ 0.50% · 4.625%
HK$73,386
+HK$3,674/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,424/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,341
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,560
−HK$2,255/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$80,428
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,366
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,495
−HK$2,159/mo
Today · 4.125%
HK$83,654
baseline
▲ 0.50% · 4.625%
HK$88,063
+HK$4,409/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,308/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,231
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,820
−HK$2,630/mo
Today · 4.125%
HK$88,450
baseline
▲ 0.50% · 4.625%
HK$93,832
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,900/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,594
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,077
−HK$2,519/mo
Today · 4.125%
HK$97,596
baseline
▲ 0.50% · 4.625%
HK$102,741
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,192/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,011
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,340
−HK$3,382/mo
Today · 4.125%
HK$113,722
baseline
▲ 0.50% · 4.625%
HK$120,642
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,444/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,049
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,242
−HK$3,239/mo
Today · 4.125%
HK$125,481
baseline
▲ 0.50% · 4.625%
HK$132,095
+HK$6,614/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,962/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,058 · Scale 2, in force from 26 Feb 2026)