LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,456
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,305
−HK$1,879/mo
Today · 4.125%
HK$63,184
baseline
▲ 0.50% · 4.625%
HK$67,029
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,368/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,144
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,918
−HK$1,799/mo
Today · 4.125%
HK$69,717
baseline
▲ 0.50% · 4.625%
HK$73,392
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,434/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,347
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,566
−HK$2,255/mo
Today · 4.125%
HK$75,821
baseline
▲ 0.50% · 4.625%
HK$80,434
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,642/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,372
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,501
−HK$2,160/mo
Today · 4.125%
HK$83,661
baseline
▲ 0.50% · 4.625%
HK$88,071
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,322/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,238
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,827
−HK$2,631/mo
Today · 4.125%
HK$88,458
baseline
▲ 0.50% · 4.625%
HK$93,840
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,916/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,601
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,085
−HK$2,519/mo
Today · 4.125%
HK$97,604
baseline
▲ 0.50% · 4.625%
HK$102,749
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,208/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,020
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,349
−HK$3,382/mo
Today · 4.125%
HK$113,731
baseline
▲ 0.50% · 4.625%
HK$120,651
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,462/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,059
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,252
−HK$3,239/mo
Today · 4.125%
HK$125,491
baseline
▲ 0.50% · 4.625%
HK$132,106
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$250,982/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,148 · Scale 2, in force from 26 Feb 2026)