LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,497
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,347
−HK$1,881/mo
Today · 4.125%
HK$63,228
baseline
▲ 0.50% · 4.625%
HK$67,075
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,456/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,189
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,965
−HK$1,800/mo
Today · 4.125%
HK$69,765
baseline
▲ 0.50% · 4.625%
HK$73,443
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,530/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,396
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,617
−HK$2,256/mo
Today · 4.125%
HK$75,873
baseline
▲ 0.50% · 4.625%
HK$80,490
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,746/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,427
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,557
−HK$2,161/mo
Today · 4.125%
HK$83,718
baseline
▲ 0.50% · 4.625%
HK$88,131
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,436/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,295
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,886
−HK$2,633/mo
Today · 4.125%
HK$88,519
baseline
▲ 0.50% · 4.625%
HK$93,905
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,038/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,665
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,150
−HK$2,522/mo
Today · 4.125%
HK$97,672
baseline
▲ 0.50% · 4.625%
HK$102,820
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,344/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,094
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,425
−HK$3,385/mo
Today · 4.125%
HK$113,810
baseline
▲ 0.50% · 4.625%
HK$120,735
+HK$6,925/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,620/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,141
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,336
−HK$3,242/mo
Today · 4.125%
HK$125,578
baseline
▲ 0.50% · 4.625%
HK$132,197
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,156/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,914 · Scale 2, in force from 26 Feb 2026)