LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,516
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,367
−HK$1,881/mo
Today · 4.125%
HK$63,248
baseline
▲ 0.50% · 4.625%
HK$67,097
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,496/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,211
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,987
−HK$1,801/mo
Today · 4.125%
HK$69,788
baseline
▲ 0.50% · 4.625%
HK$73,467
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,576/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,419
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,641
−HK$2,257/mo
Today · 4.125%
HK$75,898
baseline
▲ 0.50% · 4.625%
HK$80,516
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,796/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,453
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,162/mo
Today · 4.125%
HK$83,746
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,492/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,323
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,914
−HK$2,634/mo
Today · 4.125%
HK$88,548
baseline
▲ 0.50% · 4.625%
HK$93,936
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,096/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,696
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,182
−HK$2,522/mo
Today · 4.125%
HK$97,704
baseline
▲ 0.50% · 4.625%
HK$102,854
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,408/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,129
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,461
−HK$3,386/mo
Today · 4.125%
HK$113,847
baseline
▲ 0.50% · 4.625%
HK$120,774
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,694/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,180
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,376
−HK$3,243/mo
Today · 4.125%
HK$125,619
baseline
▲ 0.50% · 4.625%
HK$132,241
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,238/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,278 · Scale 2, in force from 26 Feb 2026)