LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,504
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,880/mo
Today · 4.125%
HK$63,235
baseline
▲ 0.50% · 4.625%
HK$67,083
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,470/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,197
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,973
−HK$1,801/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$73,452
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,405
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,626
−HK$2,256/mo
Today · 4.125%
HK$75,882
baseline
▲ 0.50% · 4.625%
HK$80,500
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,764/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,437
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,567
−HK$2,162/mo
Today · 4.125%
HK$83,729
baseline
▲ 0.50% · 4.625%
HK$88,142
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,458/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,305
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,897
−HK$2,632/mo
Today · 4.125%
HK$88,529
baseline
▲ 0.50% · 4.625%
HK$93,916
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,058/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,676
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,162
−HK$2,521/mo
Today · 4.125%
HK$97,683
baseline
▲ 0.50% · 4.625%
HK$102,832
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,366/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,107
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,439
−HK$3,384/mo
Today · 4.125%
HK$113,823
baseline
▲ 0.50% · 4.625%
HK$120,749
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,646/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,155
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,351
−HK$3,242/mo
Today · 4.125%
HK$125,593
baseline
▲ 0.50% · 4.625%
HK$132,213
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,186/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,048 · Scale 2, in force from 26 Feb 2026)