LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,473
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,323
−HK$1,880/mo
Today · 4.125%
HK$63,203
baseline
▲ 0.50% · 4.625%
HK$67,048
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,406/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,163
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,938
−HK$1,800/mo
Today · 4.125%
HK$69,738
baseline
▲ 0.50% · 4.625%
HK$73,414
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,476/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,368
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,588
−HK$2,255/mo
Today · 4.125%
HK$75,843
baseline
▲ 0.50% · 4.625%
HK$80,458
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,686/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,396
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,525
−HK$2,160/mo
Today · 4.125%
HK$83,685
baseline
▲ 0.50% · 4.625%
HK$88,096
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,370/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,262
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,852
−HK$2,632/mo
Today · 4.125%
HK$88,484
baseline
▲ 0.50% · 4.625%
HK$93,868
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,968/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,628
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,113
−HK$2,520/mo
Today · 4.125%
HK$97,633
baseline
▲ 0.50% · 4.625%
HK$102,779
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,266/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,051
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,381
−HK$3,384/mo
Today · 4.125%
HK$113,765
baseline
▲ 0.50% · 4.625%
HK$120,687
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,530/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,094
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,288
−HK$3,240/mo
Today · 4.125%
HK$125,528
baseline
▲ 0.50% · 4.625%
HK$132,145
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,056/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,474 · Scale 2, in force from 26 Feb 2026)