LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,477
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,879/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,167
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,942
−HK$1,800/mo
Today · 4.125%
HK$69,742
baseline
▲ 0.50% · 4.625%
HK$73,418
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,484/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,372
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,592
−HK$2,256/mo
Today · 4.125%
HK$75,848
baseline
▲ 0.50% · 4.625%
HK$80,463
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,696/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,401
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,530
−HK$2,160/mo
Today · 4.125%
HK$83,690
baseline
▲ 0.50% · 4.625%
HK$88,102
+HK$4,412/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,380/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,267
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,858
−HK$2,631/mo
Today · 4.125%
HK$88,489
baseline
▲ 0.50% · 4.625%
HK$93,873
+HK$5,384/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,978/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,634
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,119
−HK$2,520/mo
Today · 4.125%
HK$97,639
baseline
▲ 0.50% · 4.625%
HK$102,786
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,278/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,058
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,388
−HK$3,384/mo
Today · 4.125%
HK$113,772
baseline
▲ 0.50% · 4.625%
HK$120,694
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,544/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,101
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,295
−HK$3,241/mo
Today · 4.125%
HK$125,536
baseline
▲ 0.50% · 4.625%
HK$132,153
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,072/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,543 · Scale 2, in force from 26 Feb 2026)