LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,529
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,381
−HK$1,881/mo
Today · 4.125%
HK$63,262
baseline
▲ 0.50% · 4.625%
HK$67,111
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,524/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,226
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,002
−HK$1,802/mo
Today · 4.125%
HK$69,804
baseline
▲ 0.50% · 4.625%
HK$73,483
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,608/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,435
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$2,258/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$80,534
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,471
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,602
−HK$2,162/mo
Today · 4.125%
HK$83,764
baseline
▲ 0.50% · 4.625%
HK$88,180
+HK$4,416/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,528/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,341
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,933
−HK$2,634/mo
Today · 4.125%
HK$88,567
baseline
▲ 0.50% · 4.625%
HK$93,956
+HK$5,389/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,134/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,716
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,202
−HK$2,523/mo
Today · 4.125%
HK$97,725
baseline
▲ 0.50% · 4.625%
HK$102,876
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,450/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,152
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,485
−HK$3,387/mo
Today · 4.125%
HK$113,872
baseline
▲ 0.50% · 4.625%
HK$120,801
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,744/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,206
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,403
−HK$3,243/mo
Today · 4.125%
HK$125,646
baseline
▲ 0.50% · 4.625%
HK$132,269
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,292/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,520 · Scale 2, in force from 26 Feb 2026)