LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,546
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,398
−HK$1,882/mo
Today · 4.125%
HK$63,280
baseline
▲ 0.50% · 4.625%
HK$67,131
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,560/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,245
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,021
−HK$1,803/mo
Today · 4.125%
HK$69,824
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,648/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,455
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,678
−HK$2,258/mo
Today · 4.125%
HK$75,936
baseline
▲ 0.50% · 4.625%
HK$80,557
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,872/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,493
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,625
−HK$2,163/mo
Today · 4.125%
HK$83,788
baseline
▲ 0.50% · 4.625%
HK$88,205
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,576/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,365
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,958
−HK$2,634/mo
Today · 4.125%
HK$88,592
baseline
▲ 0.50% · 4.625%
HK$93,983
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,184/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,742
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,230
−HK$2,523/mo
Today · 4.125%
HK$97,753
baseline
▲ 0.50% · 4.625%
HK$102,906
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,506/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,183
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,517
−HK$3,387/mo
Today · 4.125%
HK$113,904
baseline
▲ 0.50% · 4.625%
HK$120,835
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,808/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,240
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$122,438
−HK$3,244/mo
Today · 4.125%
HK$125,682
baseline
▲ 0.50% · 4.625%
HK$132,307
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,364/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,838 · Scale 2, in force from 26 Feb 2026)