LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,481
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,331
−HK$1,880/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,422/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,172
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$1,800/mo
Today · 4.125%
HK$69,747
baseline
▲ 0.50% · 4.625%
HK$73,424
+HK$3,677/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,494/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,377
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,597
−HK$2,256/mo
Today · 4.125%
HK$75,853
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,616/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,706/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,406
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,536
−HK$2,161/mo
Today · 4.125%
HK$83,697
baseline
▲ 0.50% · 4.625%
HK$88,108
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,394/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,273
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,864
−HK$2,631/mo
Today · 4.125%
HK$88,495
baseline
▲ 0.50% · 4.625%
HK$93,880
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,990/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,641
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,125
−HK$2,521/mo
Today · 4.125%
HK$97,646
baseline
▲ 0.50% · 4.625%
HK$102,793
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,292/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,066
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,396
−HK$3,384/mo
Today · 4.125%
HK$113,780
baseline
▲ 0.50% · 4.625%
HK$120,703
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,560/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,110
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,304
−HK$3,241/mo
Today · 4.125%
HK$125,545
baseline
▲ 0.50% · 4.625%
HK$132,162
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,090/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,623 · Scale 2, in force from 26 Feb 2026)