LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,495
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,881/mo
Today · 4.125%
HK$63,226
baseline
▲ 0.50% · 4.625%
HK$67,073
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,452/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,187
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,962
−HK$1,801/mo
Today · 4.125%
HK$69,763
baseline
▲ 0.50% · 4.625%
HK$73,441
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,526/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,394
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,614
−HK$2,257/mo
Today · 4.125%
HK$75,871
baseline
▲ 0.50% · 4.625%
HK$80,487
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,742/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,425
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,555
−HK$2,161/mo
Today · 4.125%
HK$83,716
baseline
▲ 0.50% · 4.625%
HK$88,129
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,432/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,293
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,884
−HK$2,632/mo
Today · 4.125%
HK$88,516
baseline
▲ 0.50% · 4.625%
HK$93,902
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,032/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,662
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,147
−HK$2,522/mo
Today · 4.125%
HK$97,669
baseline
▲ 0.50% · 4.625%
HK$102,817
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,338/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,091
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,422
−HK$3,384/mo
Today · 4.125%
HK$113,806
baseline
▲ 0.50% · 4.625%
HK$120,731
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,612/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,137
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,332
−HK$3,242/mo
Today · 4.125%
HK$125,574
baseline
▲ 0.50% · 4.625%
HK$132,193
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,148/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,879 · Scale 2, in force from 26 Feb 2026)