LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,489
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,339
−HK$1,881/mo
Today · 4.125%
HK$63,220
baseline
▲ 0.50% · 4.625%
HK$67,066
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,440/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,181
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,956
−HK$1,800/mo
Today · 4.125%
HK$69,756
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$3,677/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$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,387
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,607
−HK$2,256/mo
Today · 4.125%
HK$75,863
baseline
▲ 0.50% · 4.625%
HK$80,480
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,726/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,417
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,547
−HK$2,161/mo
Today · 4.125%
HK$83,708
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$4,412/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,416/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,285
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,875
−HK$2,632/mo
Today · 4.125%
HK$88,507
baseline
▲ 0.50% · 4.625%
HK$93,893
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,014/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,653
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,138
−HK$2,521/mo
Today · 4.125%
HK$97,659
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,318/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,080
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,411
−HK$3,384/mo
Today · 4.125%
HK$113,795
baseline
▲ 0.50% · 4.625%
HK$120,719
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,590/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,126
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,321
−HK$3,241/mo
Today · 4.125%
HK$125,562
baseline
▲ 0.50% · 4.625%
HK$132,180
+HK$6,618/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,124/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,772 · Scale 2, in force from 26 Feb 2026)