LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,532
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,882/mo
Today · 4.125%
HK$63,265
baseline
▲ 0.50% · 4.625%
HK$67,114
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,530/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,228
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,005
−HK$1,802/mo
Today · 4.125%
HK$69,807
baseline
▲ 0.50% · 4.625%
HK$73,486
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,614/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,660
−HK$2,258/mo
Today · 4.125%
HK$75,918
baseline
▲ 0.50% · 4.625%
HK$80,537
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,836/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,606
−HK$2,162/mo
Today · 4.125%
HK$83,768
baseline
▲ 0.50% · 4.625%
HK$88,183
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,536/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,344
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,937
−HK$2,634/mo
Today · 4.125%
HK$88,571
baseline
▲ 0.50% · 4.625%
HK$93,960
+HK$5,389/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,142/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,720
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,207
−HK$2,522/mo
Today · 4.125%
HK$97,729
baseline
▲ 0.50% · 4.625%
HK$102,881
+HK$5,152/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,458/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,157
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,490
−HK$3,387/mo
Today · 4.125%
HK$113,877
baseline
▲ 0.50% · 4.625%
HK$120,806
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,754/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,211
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,408
−HK$3,244/mo
Today · 4.125%
HK$125,652
baseline
▲ 0.50% · 4.625%
HK$132,275
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,304/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,568 · Scale 2, in force from 26 Feb 2026)