LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,482
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,332
−HK$1,880/mo
Today · 4.125%
HK$63,212
baseline
▲ 0.50% · 4.625%
HK$67,059
+HK$3,847/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,424/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,173
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,948
−HK$1,800/mo
Today · 4.125%
HK$69,748
baseline
▲ 0.50% · 4.625%
HK$73,425
+HK$3,677/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$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,379
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,599
−HK$2,256/mo
Today · 4.125%
HK$75,855
baseline
▲ 0.50% · 4.625%
HK$80,470
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,710/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,408
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,538
−HK$2,160/mo
Today · 4.125%
HK$83,698
baseline
▲ 0.50% · 4.625%
HK$88,110
+HK$4,412/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,396/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,275
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,865
−HK$2,632/mo
Today · 4.125%
HK$88,497
baseline
▲ 0.50% · 4.625%
HK$93,882
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,994/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,643
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,127
−HK$2,521/mo
Today · 4.125%
HK$97,648
baseline
▲ 0.50% · 4.625%
HK$102,795
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,296/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,068
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$110,398
−HK$3,384/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$120,705
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,112
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,307
−HK$3,240/mo
Today · 4.125%
HK$125,547
baseline
▲ 0.50% · 4.625%
HK$132,165
+HK$6,618/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,094/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,645 · Scale 2, in force from 26 Feb 2026)