LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,507
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,358
−HK$1,881/mo
Today · 4.125%
HK$63,239
baseline
▲ 0.50% · 4.625%
HK$67,087
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,478/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,201
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,976
−HK$1,802/mo
Today · 4.125%
HK$69,778
baseline
▲ 0.50% · 4.625%
HK$73,456
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,556/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,408
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,630
−HK$2,256/mo
Today · 4.125%
HK$75,886
baseline
▲ 0.50% · 4.625%
HK$80,504
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,772/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,441
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,572
−HK$2,161/mo
Today · 4.125%
HK$83,733
baseline
▲ 0.50% · 4.625%
HK$88,147
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,466/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,310
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,901
−HK$2,633/mo
Today · 4.125%
HK$88,534
baseline
▲ 0.50% · 4.625%
HK$93,921
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,068/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,681
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,167
−HK$2,522/mo
Today · 4.125%
HK$97,689
baseline
▲ 0.50% · 4.625%
HK$102,838
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,378/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,113
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,444
−HK$3,386/mo
Today · 4.125%
HK$113,830
baseline
▲ 0.50% · 4.625%
HK$120,756
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,660/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,162
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,358
−HK$3,242/mo
Today · 4.125%
HK$125,600
baseline
▲ 0.50% · 4.625%
HK$132,220
+HK$6,620/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,200/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,107 · Scale 2, in force from 26 Feb 2026)