LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,493
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,344
−HK$1,880/mo
Today · 4.125%
HK$63,224
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,448/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,845 · 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$1,108,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,392
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,612
−HK$2,256/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$80,485
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,845 · 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$88,126
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,426/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,290
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,881
−HK$2,632/mo
Today · 4.125%
HK$88,513
baseline
▲ 0.50% · 4.625%
HK$93,899
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,026/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,659
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,144
−HK$2,522/mo
Today · 4.125%
HK$97,666
baseline
▲ 0.50% · 4.625%
HK$102,814
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,332/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,087
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,418
−HK$3,385/mo
Today · 4.125%
HK$113,803
baseline
▲ 0.50% · 4.625%
HK$120,727
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,606/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,134
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,329
−HK$3,241/mo
Today · 4.125%
HK$125,570
baseline
▲ 0.50% · 4.625%
HK$132,189
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,140/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,845 · Scale 2, in force from 26 Feb 2026)