LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,512
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,881/mo
Today · 4.125%
HK$63,244
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,488/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,207
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$1,802/mo
Today · 4.125%
HK$69,784
baseline
▲ 0.50% · 4.625%
HK$73,462
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,568/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,414
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,636
−HK$2,257/mo
Today · 4.125%
HK$75,893
baseline
▲ 0.50% · 4.625%
HK$80,511
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,786/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,448
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,161/mo
Today · 4.125%
HK$83,740
baseline
▲ 0.50% · 4.625%
HK$88,154
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,480/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,317
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,909
−HK$2,633/mo
Today · 4.125%
HK$88,542
baseline
▲ 0.50% · 4.625%
HK$93,929
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,084/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,689
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,175
−HK$2,522/mo
Today · 4.125%
HK$97,697
baseline
▲ 0.50% · 4.625%
HK$102,847
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,394/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,122
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,454
−HK$3,385/mo
Today · 4.125%
HK$113,839
baseline
▲ 0.50% · 4.625%
HK$120,766
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,678/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,172
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,368
−HK$3,242/mo
Today · 4.125%
HK$125,610
baseline
▲ 0.50% · 4.625%
HK$132,231
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,220/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,201 · Scale 2, in force from 26 Feb 2026)