LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,545
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,882/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,243
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,020
−HK$1,802/mo
Today · 4.125%
HK$69,822
baseline
▲ 0.50% · 4.625%
HK$73,503
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,644/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,454
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,677
−HK$2,258/mo
Today · 4.125%
HK$75,935
baseline
▲ 0.50% · 4.625%
HK$80,556
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,870/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,492
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,624
−HK$2,163/mo
Today · 4.125%
HK$83,787
baseline
▲ 0.50% · 4.625%
HK$88,203
+HK$4,416/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,574/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,363
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,956
−HK$2,635/mo
Today · 4.125%
HK$88,591
baseline
▲ 0.50% · 4.625%
HK$93,982
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,182/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,741
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,523/mo
Today · 4.125%
HK$97,751
baseline
▲ 0.50% · 4.625%
HK$102,904
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,502/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,181
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,515
−HK$3,388/mo
Today · 4.125%
HK$113,903
baseline
▲ 0.50% · 4.625%
HK$120,833
+HK$6,930/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,806/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,238
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,436
−HK$3,244/mo
Today · 4.125%
HK$125,680
baseline
▲ 0.50% · 4.625%
HK$132,305
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,360/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,820 · Scale 2, in force from 26 Feb 2026)