LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,526
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,377
−HK$1,881/mo
Today · 4.125%
HK$63,258
baseline
▲ 0.50% · 4.625%
HK$67,107
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,516/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,222
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,998
−HK$1,801/mo
Today · 4.125%
HK$69,799
baseline
▲ 0.50% · 4.625%
HK$73,478
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,598/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,431
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,653
−HK$2,257/mo
Today · 4.125%
HK$75,910
baseline
▲ 0.50% · 4.625%
HK$80,529
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,820/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,466
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,597
−HK$2,162/mo
Today · 4.125%
HK$83,759
baseline
▲ 0.50% · 4.625%
HK$88,174
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,518/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,336
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,928
−HK$2,634/mo
Today · 4.125%
HK$88,562
baseline
▲ 0.50% · 4.625%
HK$93,950
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,124/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,710
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,197
−HK$2,522/mo
Today · 4.125%
HK$97,719
baseline
▲ 0.50% · 4.625%
HK$102,870
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,438/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,146
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,479
−HK$3,386/mo
Today · 4.125%
HK$113,865
baseline
▲ 0.50% · 4.625%
HK$120,793
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,730/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,199
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,396
−HK$3,243/mo
Today · 4.125%
HK$125,639
baseline
▲ 0.50% · 4.625%
HK$132,261
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,278/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,452 · Scale 2, in force from 26 Feb 2026)