LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,542
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,394
−HK$1,882/mo
Today · 4.125%
HK$63,276
baseline
▲ 0.50% · 4.625%
HK$67,126
+HK$3,850/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,552/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,240
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,017
−HK$1,802/mo
Today · 4.125%
HK$69,819
baseline
▲ 0.50% · 4.625%
HK$73,499
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,638/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,451
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,673
−HK$2,258/mo
Today · 4.125%
HK$75,931
baseline
▲ 0.50% · 4.625%
HK$80,551
+HK$4,620/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$151,862/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,488
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,620
−HK$2,163/mo
Today · 4.125%
HK$83,783
baseline
▲ 0.50% · 4.625%
HK$88,199
+HK$4,416/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$167,566/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,359
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,952
−HK$2,634/mo
Today · 4.125%
HK$88,586
baseline
▲ 0.50% · 4.625%
HK$93,977
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,172/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,736
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,223
−HK$2,523/mo
Today · 4.125%
HK$97,746
baseline
▲ 0.50% · 4.625%
HK$102,899
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,492/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,176
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,510
−HK$3,387/mo
Today · 4.125%
HK$113,897
baseline
▲ 0.50% · 4.625%
HK$120,827
+HK$6,930/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,794/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,232
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,430
−HK$3,244/mo
Today · 4.125%
HK$125,674
baseline
▲ 0.50% · 4.625%
HK$132,298
+HK$6,624/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,348/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,764 · Scale 2, in force from 26 Feb 2026)