LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,462
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,879/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,151
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,925
−HK$1,800/mo
Today · 4.125%
HK$69,725
baseline
▲ 0.50% · 4.625%
HK$73,401
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,450/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,574
−HK$2,255/mo
Today · 4.125%
HK$75,829
baseline
▲ 0.50% · 4.625%
HK$80,443
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,658/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,382
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,511
−HK$2,159/mo
Today · 4.125%
HK$83,670
baseline
▲ 0.50% · 4.625%
HK$88,081
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,340/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,247
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,837
−HK$2,631/mo
Today · 4.125%
HK$88,468
baseline
▲ 0.50% · 4.625%
HK$93,851
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,936/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,612
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,096
−HK$2,519/mo
Today · 4.125%
HK$97,615
baseline
▲ 0.50% · 4.625%
HK$102,761
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,230/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,032
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,362
−HK$3,382/mo
Today · 4.125%
HK$113,744
baseline
▲ 0.50% · 4.625%
HK$120,665
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,488/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,072
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,266
−HK$3,239/mo
Today · 4.125%
HK$125,505
baseline
▲ 0.50% · 4.625%
HK$132,121
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,010/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,275 · Scale 2, in force from 26 Feb 2026)