LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,513
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,364
−HK$1,881/mo
Today · 4.125%
HK$63,245
baseline
▲ 0.50% · 4.625%
HK$67,093
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,490/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,207
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,983
−HK$1,801/mo
Today · 4.125%
HK$69,784
baseline
▲ 0.50% · 4.625%
HK$73,463
+HK$3,679/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$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,415
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,637
−HK$2,257/mo
Today · 4.125%
HK$75,894
baseline
▲ 0.50% · 4.625%
HK$80,511
+HK$4,617/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,788/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,449
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,162/mo
Today · 4.125%
HK$83,741
baseline
▲ 0.50% · 4.625%
HK$88,155
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,482/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,318
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,909
−HK$2,633/mo
Today · 4.125%
HK$88,542
baseline
▲ 0.50% · 4.625%
HK$93,930
+HK$5,388/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$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,690
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,176
−HK$2,522/mo
Today · 4.125%
HK$97,698
baseline
▲ 0.50% · 4.625%
HK$102,848
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,396/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,123
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,455
−HK$3,385/mo
Today · 4.125%
HK$113,840
baseline
▲ 0.50% · 4.625%
HK$120,767
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,680/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,173
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,369
−HK$3,242/mo
Today · 4.125%
HK$125,611
baseline
▲ 0.50% · 4.625%
HK$132,233
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,222/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,212 · Scale 2, in force from 26 Feb 2026)