LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,514
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,366
−HK$1,880/mo
Today · 4.125%
HK$63,246
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,492/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,209
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,985
−HK$1,801/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$73,465
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,417
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,639
−HK$2,257/mo
Today · 4.125%
HK$75,896
baseline
▲ 0.50% · 4.625%
HK$80,514
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,792/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,451
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,582
−HK$2,161/mo
Today · 4.125%
HK$83,743
baseline
▲ 0.50% · 4.625%
HK$88,158
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,486/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,320
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,633/mo
Today · 4.125%
HK$88,545
baseline
▲ 0.50% · 4.625%
HK$93,933
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,090/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,693
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,179
−HK$2,522/mo
Today · 4.125%
HK$97,701
baseline
▲ 0.50% · 4.625%
HK$102,851
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,402/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,126
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,458
−HK$3,385/mo
Today · 4.125%
HK$113,843
baseline
▲ 0.50% · 4.625%
HK$120,771
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,686/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,176
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,373
−HK$3,242/mo
Today · 4.125%
HK$125,615
baseline
▲ 0.50% · 4.625%
HK$132,236
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,230/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,243 · Scale 2, in force from 26 Feb 2026)