LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,474
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,880/mo
Today · 4.125%
HK$63,204
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,408/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,164
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,939
−HK$1,800/mo
Today · 4.125%
HK$69,739
baseline
▲ 0.50% · 4.625%
HK$73,415
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,478/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,369
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$2,255/mo
Today · 4.125%
HK$75,844
baseline
▲ 0.50% · 4.625%
HK$80,459
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,688/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,527
−HK$2,160/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,264
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,854
−HK$2,631/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,869
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,630
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,114
−HK$2,521/mo
Today · 4.125%
HK$97,635
baseline
▲ 0.50% · 4.625%
HK$102,781
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,270/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,053
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,383
−HK$3,384/mo
Today · 4.125%
HK$113,767
baseline
▲ 0.50% · 4.625%
HK$120,689
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,534/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,096
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,290
−HK$3,240/mo
Today · 4.125%
HK$125,530
baseline
▲ 0.50% · 4.625%
HK$132,147
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,060/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,495 · Scale 2, in force from 26 Feb 2026)