LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,465
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,315
−HK$1,879/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$67,040
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,155
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,929
−HK$1,800/mo
Today · 4.125%
HK$69,729
baseline
▲ 0.50% · 4.625%
HK$73,404
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,458/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,358
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,578
−HK$2,255/mo
Today · 4.125%
HK$75,833
baseline
▲ 0.50% · 4.625%
HK$80,447
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,666/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,385
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,515
−HK$2,159/mo
Today · 4.125%
HK$83,674
baseline
▲ 0.50% · 4.625%
HK$88,085
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,348/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,841
−HK$2,631/mo
Today · 4.125%
HK$88,472
baseline
▲ 0.50% · 4.625%
HK$93,855
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,944/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,616
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,520/mo
Today · 4.125%
HK$97,620
baseline
▲ 0.50% · 4.625%
HK$102,766
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,240/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,038
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,367
−HK$3,383/mo
Today · 4.125%
HK$113,750
baseline
▲ 0.50% · 4.625%
HK$120,671
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,500/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,078
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,272
−HK$3,240/mo
Today · 4.125%
HK$125,512
baseline
▲ 0.50% · 4.625%
HK$132,128
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,024/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,330 · Scale 2, in force from 26 Feb 2026)