LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,526
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,377
−HK$1,882/mo
Today · 4.125%
HK$63,259
baseline
▲ 0.50% · 4.625%
HK$67,108
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,518/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,222
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,998
−HK$1,802/mo
Today · 4.125%
HK$69,800
baseline
▲ 0.50% · 4.625%
HK$73,479
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,600/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,458 · 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$1,109,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,466
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,598
−HK$2,162/mo
Today · 4.125%
HK$83,760
baseline
▲ 0.50% · 4.625%
HK$88,175
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,520/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,458 · 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$93,951
+HK$5,389/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$1,109,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,197
−HK$2,523/mo
Today · 4.125%
HK$97,720
baseline
▲ 0.50% · 4.625%
HK$102,870
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,440/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,147
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,479
−HK$3,387/mo
Today · 4.125%
HK$113,866
baseline
▲ 0.50% · 4.625%
HK$120,794
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,732/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,458 · 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$132,262
+HK$6,623/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$1,109,458 · Scale 2, in force from 26 Feb 2026)