LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,555
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,882/mo
Today · 4.125%
HK$63,289
baseline
▲ 0.50% · 4.625%
HK$67,140
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,578/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,254
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,031
−HK$1,802/mo
Today · 4.125%
HK$69,833
baseline
▲ 0.50% · 4.625%
HK$73,514
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,666/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,466
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,689
−HK$2,258/mo
Today · 4.125%
HK$75,947
baseline
▲ 0.50% · 4.625%
HK$80,568
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,894/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,505
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,637
−HK$2,163/mo
Today · 4.125%
HK$83,800
baseline
▲ 0.50% · 4.625%
HK$88,217
+HK$4,417/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,600/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,377
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,635/mo
Today · 4.125%
HK$88,605
baseline
▲ 0.50% · 4.625%
HK$93,996
+HK$5,391/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,210/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,756
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,243
−HK$2,524/mo
Today · 4.125%
HK$97,767
baseline
▲ 0.50% · 4.625%
HK$102,920
+HK$5,153/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,534/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,198
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,533
−HK$3,388/mo
Today · 4.125%
HK$113,921
baseline
▲ 0.50% · 4.625%
HK$120,852
+HK$6,931/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,842/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,257
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,456
−HK$3,244/mo
Today · 4.125%
HK$125,700
baseline
▲ 0.50% · 4.625%
HK$132,326
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,400/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,996 · Scale 2, in force from 26 Feb 2026)