LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,481
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,332
−HK$1,879/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$67,058
+HK$3,847/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$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,172
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,947
−HK$1,801/mo
Today · 4.125%
HK$69,748
baseline
▲ 0.50% · 4.625%
HK$73,424
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,496/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,378
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,598
−HK$2,256/mo
Today · 4.125%
HK$75,854
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,708/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,407
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,537
−HK$2,160/mo
Today · 4.125%
HK$83,697
baseline
▲ 0.50% · 4.625%
HK$88,109
+HK$4,412/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$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,274
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,864
−HK$2,632/mo
Today · 4.125%
HK$88,496
baseline
▲ 0.50% · 4.625%
HK$93,881
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,992/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,641
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,126
−HK$2,521/mo
Today · 4.125%
HK$97,647
baseline
▲ 0.50% · 4.625%
HK$102,794
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,294/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,067
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,397
−HK$3,384/mo
Today · 4.125%
HK$113,781
baseline
▲ 0.50% · 4.625%
HK$120,704
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,562/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,110
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,305
−HK$3,241/mo
Today · 4.125%
HK$125,546
baseline
▲ 0.50% · 4.625%
HK$132,163
+HK$6,617/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,092/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,630 · Scale 2, in force from 26 Feb 2026)