LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,530
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,382
−HK$1,881/mo
Today · 4.125%
HK$63,263
baseline
▲ 0.50% · 4.625%
HK$67,113
+HK$3,850/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,526/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,227
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,003
−HK$1,802/mo
Today · 4.125%
HK$69,805
baseline
▲ 0.50% · 4.625%
HK$73,485
+HK$3,680/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,610/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,436
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,659
−HK$2,257/mo
Today · 4.125%
HK$75,916
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,832/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,472
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,604
−HK$2,162/mo
Today · 4.125%
HK$83,766
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,532/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,343
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,935
−HK$2,634/mo
Today · 4.125%
HK$88,569
baseline
▲ 0.50% · 4.625%
HK$93,958
+HK$5,389/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,138/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,718
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,204
−HK$2,523/mo
Today · 4.125%
HK$97,727
baseline
▲ 0.50% · 4.625%
HK$102,878
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,454/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,155
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,488
−HK$3,386/mo
Today · 4.125%
HK$113,874
baseline
▲ 0.50% · 4.625%
HK$120,803
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,748/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,209
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,406
−HK$3,243/mo
Today · 4.125%
HK$125,649
baseline
▲ 0.50% · 4.625%
HK$132,272
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,298/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,543 · Scale 2, in force from 26 Feb 2026)