LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,500
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,350
−HK$1,881/mo
Today · 4.125%
HK$63,231
baseline
▲ 0.50% · 4.625%
HK$67,078
+HK$3,847/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,462/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,193
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,968
−HK$1,801/mo
Today · 4.125%
HK$69,769
baseline
▲ 0.50% · 4.625%
HK$73,447
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,538/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,400
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,620
−HK$2,257/mo
Today · 4.125%
HK$75,877
baseline
▲ 0.50% · 4.625%
HK$80,494
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,754/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,431
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,562
−HK$2,161/mo
Today · 4.125%
HK$83,723
baseline
▲ 0.50% · 4.625%
HK$88,136
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,446/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,299
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,891
−HK$2,632/mo
Today · 4.125%
HK$88,523
baseline
▲ 0.50% · 4.625%
HK$93,909
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,046/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,670
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,155
−HK$2,521/mo
Today · 4.125%
HK$97,676
baseline
▲ 0.50% · 4.625%
HK$102,825
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,352/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,099
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,431
−HK$3,384/mo
Today · 4.125%
HK$113,815
baseline
▲ 0.50% · 4.625%
HK$120,741
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,630/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,147
−HK$6,437/mo
▼ 0.25% · 3.875%
HK$122,342
−HK$3,242/mo
Today · 4.125%
HK$125,584
baseline
▲ 0.50% · 4.625%
HK$132,204
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,168/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,969 · Scale 2, in force from 26 Feb 2026)