LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,505
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,356
−HK$1,880/mo
Today · 4.125%
HK$63,236
baseline
▲ 0.50% · 4.625%
HK$67,084
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,472/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,198
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,974
−HK$1,801/mo
Today · 4.125%
HK$69,775
baseline
▲ 0.50% · 4.625%
HK$73,453
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,550/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,406
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,627
−HK$2,256/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$80,501
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,438
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,568
−HK$2,162/mo
Today · 4.125%
HK$83,730
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,460/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,306
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,898
−HK$2,633/mo
Today · 4.125%
HK$88,531
baseline
▲ 0.50% · 4.625%
HK$93,917
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,062/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,678
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,163
−HK$2,522/mo
Today · 4.125%
HK$97,685
baseline
▲ 0.50% · 4.625%
HK$102,834
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,370/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,108
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,440
−HK$3,385/mo
Today · 4.125%
HK$113,825
baseline
▲ 0.50% · 4.625%
HK$120,751
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,650/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,157
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,353
−HK$3,242/mo
Today · 4.125%
HK$125,595
baseline
▲ 0.50% · 4.625%
HK$132,215
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,190/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,063 · Scale 2, in force from 26 Feb 2026)