LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,505
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,356
−HK$1,881/mo
Today · 4.125%
HK$63,237
baseline
▲ 0.50% · 4.625%
HK$67,085
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,474/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,199
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,975
−HK$1,801/mo
Today · 4.125%
HK$69,776
baseline
▲ 0.50% · 4.625%
HK$73,454
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,552/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,406
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,628
−HK$2,256/mo
Today · 4.125%
HK$75,884
baseline
▲ 0.50% · 4.625%
HK$80,502
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,768/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,439
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,569
−HK$2,162/mo
Today · 4.125%
HK$83,731
baseline
▲ 0.50% · 4.625%
HK$88,144
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,462/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,307
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,899
−HK$2,633/mo
Today · 4.125%
HK$88,532
baseline
▲ 0.50% · 4.625%
HK$93,919
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,064/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,679
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,164
−HK$2,522/mo
Today · 4.125%
HK$97,686
baseline
▲ 0.50% · 4.625%
HK$102,835
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,372/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,110
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$110,441
−HK$3,385/mo
Today · 4.125%
HK$113,826
baseline
▲ 0.50% · 4.625%
HK$120,752
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,652/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,158
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,354
−HK$3,242/mo
Today · 4.125%
HK$125,596
baseline
▲ 0.50% · 4.625%
HK$132,217
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,192/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,076 · Scale 2, in force from 26 Feb 2026)