LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,557
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,409
−HK$1,883/mo
Today · 4.125%
HK$63,292
baseline
▲ 0.50% · 4.625%
HK$67,143
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,584/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,256
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,033
−HK$1,803/mo
Today · 4.125%
HK$69,836
baseline
▲ 0.50% · 4.625%
HK$73,517
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,672/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,468
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,691
−HK$2,259/mo
Today · 4.125%
HK$75,950
baseline
▲ 0.50% · 4.625%
HK$80,571
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,900/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,508
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,640
−HK$2,163/mo
Today · 4.125%
HK$83,803
baseline
▲ 0.50% · 4.625%
HK$88,221
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,606/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,380
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$85,973
−HK$2,635/mo
Today · 4.125%
HK$88,608
baseline
▲ 0.50% · 4.625%
HK$94,000
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,216/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,759
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,247
−HK$2,523/mo
Today · 4.125%
HK$97,770
baseline
▲ 0.50% · 4.625%
HK$102,924
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,540/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,202
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,537
−HK$3,388/mo
Today · 4.125%
HK$113,925
baseline
▲ 0.50% · 4.625%
HK$120,857
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,850/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,262
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,460
−HK$3,245/mo
Today · 4.125%
HK$125,705
baseline
▲ 0.50% · 4.625%
HK$132,331
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,410/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,037 · Scale 2, in force from 26 Feb 2026)