LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,488
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,339
−HK$1,880/mo
Today · 4.125%
HK$63,219
baseline
▲ 0.50% · 4.625%
HK$67,065
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,438/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,180
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,955
−HK$1,801/mo
Today · 4.125%
HK$69,756
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,512/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,386
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,606
−HK$2,256/mo
Today · 4.125%
HK$75,862
baseline
▲ 0.50% · 4.625%
HK$80,478
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,724/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,416
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,546
−HK$2,161/mo
Today · 4.125%
HK$83,707
baseline
▲ 0.50% · 4.625%
HK$88,119
+HK$4,412/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,414/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,283
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,874
−HK$2,632/mo
Today · 4.125%
HK$88,506
baseline
▲ 0.50% · 4.625%
HK$93,891
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,012/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,652
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,137
−HK$2,521/mo
Today · 4.125%
HK$97,658
baseline
▲ 0.50% · 4.625%
HK$102,805
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,316/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,079
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,410
−HK$3,384/mo
Today · 4.125%
HK$113,794
baseline
▲ 0.50% · 4.625%
HK$120,718
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,588/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,124
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,319
−HK$3,241/mo
Today · 4.125%
HK$125,560
baseline
▲ 0.50% · 4.625%
HK$132,178
+HK$6,618/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,120/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,757 · Scale 2, in force from 26 Feb 2026)