LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,528
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,380
−HK$1,881/mo
Today · 4.125%
HK$63,261
baseline
▲ 0.50% · 4.625%
HK$67,110
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,522/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,224
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,000
−HK$1,802/mo
Today · 4.125%
HK$69,802
baseline
▲ 0.50% · 4.625%
HK$73,482
+HK$3,680/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,604/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,434
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,656
−HK$2,257/mo
Today · 4.125%
HK$75,913
baseline
▲ 0.50% · 4.625%
HK$80,532
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,826/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,469
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,601
−HK$2,162/mo
Today · 4.125%
HK$83,763
baseline
▲ 0.50% · 4.625%
HK$88,178
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,526/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,339
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,932
−HK$2,633/mo
Today · 4.125%
HK$88,565
baseline
▲ 0.50% · 4.625%
HK$93,954
+HK$5,389/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,130/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,714
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,201
−HK$2,522/mo
Today · 4.125%
HK$97,723
baseline
▲ 0.50% · 4.625%
HK$102,874
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,446/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,150
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,483
−HK$3,387/mo
Today · 4.125%
HK$113,870
baseline
▲ 0.50% · 4.625%
HK$120,798
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,740/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,204
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,401
−HK$3,243/mo
Today · 4.125%
HK$125,644
baseline
▲ 0.50% · 4.625%
HK$132,267
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,288/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,499 · Scale 2, in force from 26 Feb 2026)