LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,554
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,406
−HK$1,882/mo
Today · 4.125%
HK$63,288
baseline
▲ 0.50% · 4.625%
HK$67,139
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,576/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,253
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,030
−HK$1,802/mo
Today · 4.125%
HK$69,832
baseline
▲ 0.50% · 4.625%
HK$73,513
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,664/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,464
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,687
−HK$2,259/mo
Today · 4.125%
HK$75,946
baseline
▲ 0.50% · 4.625%
HK$80,567
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,892/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,503
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,636
−HK$2,163/mo
Today · 4.125%
HK$83,799
baseline
▲ 0.50% · 4.625%
HK$88,216
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,598/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,375
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,969
−HK$2,634/mo
Today · 4.125%
HK$88,603
baseline
▲ 0.50% · 4.625%
HK$93,995
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,206/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,754
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,242
−HK$2,523/mo
Today · 4.125%
HK$97,765
baseline
▲ 0.50% · 4.625%
HK$102,919
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,530/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,197
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,531
−HK$3,388/mo
Today · 4.125%
HK$113,919
baseline
▲ 0.50% · 4.625%
HK$120,850
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,838/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,255
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,454
−HK$3,244/mo
Today · 4.125%
HK$125,698
baseline
▲ 0.50% · 4.625%
HK$132,324
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,396/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,977 · Scale 2, in force from 26 Feb 2026)