LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,452
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,301
−HK$1,879/mo
Today · 4.125%
HK$63,180
baseline
▲ 0.50% · 4.625%
HK$67,024
+HK$3,844/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,360/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,140
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,913
−HK$1,800/mo
Today · 4.125%
HK$69,713
baseline
▲ 0.50% · 4.625%
HK$73,388
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,426/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,342
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,561
−HK$2,255/mo
Today · 4.125%
HK$75,816
baseline
▲ 0.50% · 4.625%
HK$80,429
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,632/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,368
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,496
−HK$2,159/mo
Today · 4.125%
HK$83,655
baseline
▲ 0.50% · 4.625%
HK$88,065
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,310/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,233
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,822
−HK$2,630/mo
Today · 4.125%
HK$88,452
baseline
▲ 0.50% · 4.625%
HK$93,834
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,904/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,595
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,079
−HK$2,519/mo
Today · 4.125%
HK$97,598
baseline
▲ 0.50% · 4.625%
HK$102,743
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,196/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,013
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,342
−HK$3,382/mo
Today · 4.125%
HK$113,724
baseline
▲ 0.50% · 4.625%
HK$120,644
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,448/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,051
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,244
−HK$3,239/mo
Today · 4.125%
HK$125,483
baseline
▲ 0.50% · 4.625%
HK$132,098
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$250,966/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,079 · Scale 2, in force from 26 Feb 2026)