LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,559
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,412
−HK$1,882/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$67,145
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,259
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,036
−HK$1,802/mo
Today · 4.125%
HK$69,838
baseline
▲ 0.50% · 4.625%
HK$73,520
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,676/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,471
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,694
−HK$2,259/mo
Today · 4.125%
HK$75,953
baseline
▲ 0.50% · 4.625%
HK$80,574
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,906/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,510
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,643
−HK$2,163/mo
Today · 4.125%
HK$83,806
baseline
▲ 0.50% · 4.625%
HK$88,224
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,612/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,382
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,976
−HK$2,635/mo
Today · 4.125%
HK$88,611
baseline
▲ 0.50% · 4.625%
HK$94,003
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,222/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,762
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,250
−HK$2,524/mo
Today · 4.125%
HK$97,774
baseline
▲ 0.50% · 4.625%
HK$102,928
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,548/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,206
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,541
−HK$3,388/mo
Today · 4.125%
HK$113,929
baseline
▲ 0.50% · 4.625%
HK$120,861
+HK$6,932/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,858/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,266
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,464
−HK$3,245/mo
Today · 4.125%
HK$125,709
baseline
▲ 0.50% · 4.625%
HK$132,335
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,418/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,075 · Scale 2, in force from 26 Feb 2026)