LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,551
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,403
−HK$1,882/mo
Today · 4.125%
HK$63,285
baseline
▲ 0.50% · 4.625%
HK$67,136
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,570/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,250
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,027
−HK$1,802/mo
Today · 4.125%
HK$69,829
baseline
▲ 0.50% · 4.625%
HK$73,510
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,658/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,461
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,684
−HK$2,259/mo
Today · 4.125%
HK$75,943
baseline
▲ 0.50% · 4.625%
HK$80,563
+HK$4,620/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,886/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,500
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,632
−HK$2,163/mo
Today · 4.125%
HK$83,795
baseline
▲ 0.50% · 4.625%
HK$88,212
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,590/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,371
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,965
−HK$2,635/mo
Today · 4.125%
HK$88,600
baseline
▲ 0.50% · 4.625%
HK$93,991
+HK$5,391/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,200/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,750
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,237
−HK$2,524/mo
Today · 4.125%
HK$97,761
baseline
▲ 0.50% · 4.625%
HK$102,914
+HK$5,153/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,522/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,192
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,526
−HK$3,388/mo
Today · 4.125%
HK$113,914
baseline
▲ 0.50% · 4.625%
HK$120,845
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,828/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,250
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,448
−HK$3,245/mo
Today · 4.125%
HK$125,693
baseline
▲ 0.50% · 4.625%
HK$132,318
+HK$6,625/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,386/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,928 · Scale 2, in force from 26 Feb 2026)