LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,492
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,343
−HK$1,880/mo
Today · 4.125%
HK$63,223
baseline
▲ 0.50% · 4.625%
HK$67,070
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,446/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,185
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,960
−HK$1,801/mo
Today · 4.125%
HK$69,761
baseline
▲ 0.50% · 4.625%
HK$73,438
+HK$3,677/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,522/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,391
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,612
−HK$2,256/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$80,484
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,422
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,552
−HK$2,161/mo
Today · 4.125%
HK$83,713
baseline
▲ 0.50% · 4.625%
HK$88,125
+HK$4,412/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,426/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,289
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,880
−HK$2,632/mo
Today · 4.125%
HK$88,512
baseline
▲ 0.50% · 4.625%
HK$93,898
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,024/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,659
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,144
−HK$2,521/mo
Today · 4.125%
HK$97,665
baseline
▲ 0.50% · 4.625%
HK$102,813
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,330/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,086
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,417
−HK$3,385/mo
Today · 4.125%
HK$113,802
baseline
▲ 0.50% · 4.625%
HK$120,726
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,604/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,133
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,328
−HK$3,241/mo
Today · 4.125%
HK$125,569
baseline
▲ 0.50% · 4.625%
HK$132,188
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,138/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,836 · Scale 2, in force from 26 Feb 2026)