LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,480
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,330
−HK$1,880/mo
Today · 4.125%
HK$63,210
baseline
▲ 0.50% · 4.625%
HK$67,056
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,420/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,171
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,946
−HK$1,800/mo
Today · 4.125%
HK$69,746
baseline
▲ 0.50% · 4.625%
HK$73,422
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,492/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,376
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,596
−HK$2,256/mo
Today · 4.125%
HK$75,852
baseline
▲ 0.50% · 4.625%
HK$80,467
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,704/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,405
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,535
−HK$2,160/mo
Today · 4.125%
HK$83,695
baseline
▲ 0.50% · 4.625%
HK$88,107
+HK$4,412/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,390/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,272
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,862
−HK$2,632/mo
Today · 4.125%
HK$88,494
baseline
▲ 0.50% · 4.625%
HK$93,879
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,988/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,639
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,124
−HK$2,520/mo
Today · 4.125%
HK$97,644
baseline
▲ 0.50% · 4.625%
HK$102,791
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,288/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,064
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,394
−HK$3,384/mo
Today · 4.125%
HK$113,778
baseline
▲ 0.50% · 4.625%
HK$120,701
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,556/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,108
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,302
−HK$3,241/mo
Today · 4.125%
HK$125,543
baseline
▲ 0.50% · 4.625%
HK$132,160
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,086/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,604 · Scale 2, in force from 26 Feb 2026)