LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,524
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,375
−HK$1,881/mo
Today · 4.125%
HK$63,256
baseline
▲ 0.50% · 4.625%
HK$67,105
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,512/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,219
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,995
−HK$1,802/mo
Today · 4.125%
HK$69,797
baseline
▲ 0.50% · 4.625%
HK$73,476
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,594/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,428
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,650
−HK$2,257/mo
Today · 4.125%
HK$75,907
baseline
▲ 0.50% · 4.625%
HK$80,526
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,814/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,463
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,594
−HK$2,162/mo
Today · 4.125%
HK$83,756
baseline
▲ 0.50% · 4.625%
HK$88,171
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,512/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,333
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,925
−HK$2,634/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,947
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,707
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,193
−HK$2,523/mo
Today · 4.125%
HK$97,716
baseline
▲ 0.50% · 4.625%
HK$102,867
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,432/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,142
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,475
−HK$3,386/mo
Today · 4.125%
HK$113,861
baseline
▲ 0.50% · 4.625%
HK$120,789
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,722/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,195
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,392
−HK$3,243/mo
Today · 4.125%
HK$125,635
baseline
▲ 0.50% · 4.625%
HK$132,257
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,270/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,416 · Scale 2, in force from 26 Feb 2026)