LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,521
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,372
−HK$1,881/mo
Today · 4.125%
HK$63,253
baseline
▲ 0.50% · 4.625%
HK$67,102
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,506/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,216
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,992
−HK$1,802/mo
Today · 4.125%
HK$69,794
baseline
▲ 0.50% · 4.625%
HK$73,473
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,588/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,647
−HK$2,257/mo
Today · 4.125%
HK$75,904
baseline
▲ 0.50% · 4.625%
HK$80,523
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,808/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,460
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,591
−HK$2,162/mo
Today · 4.125%
HK$83,753
baseline
▲ 0.50% · 4.625%
HK$88,167
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,506/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,329
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,921
−HK$2,634/mo
Today · 4.125%
HK$88,555
baseline
▲ 0.50% · 4.625%
HK$93,943
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,110/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,703
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,189
−HK$2,522/mo
Today · 4.125%
HK$97,711
baseline
▲ 0.50% · 4.625%
HK$102,862
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,422/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,138
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,470
−HK$3,386/mo
Today · 4.125%
HK$113,856
baseline
▲ 0.50% · 4.625%
HK$120,784
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,712/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,190
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,386
−HK$3,243/mo
Today · 4.125%
HK$125,629
baseline
▲ 0.50% · 4.625%
HK$132,251
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,258/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,366 · Scale 2, in force from 26 Feb 2026)