LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,560
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,882/mo
Today · 4.125%
HK$63,295
baseline
▲ 0.50% · 4.625%
HK$67,146
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,590/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,260
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,037
−HK$1,803/mo
Today · 4.125%
HK$69,840
baseline
▲ 0.50% · 4.625%
HK$73,521
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,680/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,472
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,695
−HK$2,259/mo
Today · 4.125%
HK$75,954
baseline
▲ 0.50% · 4.625%
HK$80,576
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,908/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,512
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,645
−HK$2,163/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,226
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,384
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,978
−HK$2,635/mo
Today · 4.125%
HK$88,613
baseline
▲ 0.50% · 4.625%
HK$94,005
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,226/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,252
−HK$2,524/mo
Today · 4.125%
HK$97,776
baseline
▲ 0.50% · 4.625%
HK$102,930
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,552/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,208
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,543
−HK$3,388/mo
Today · 4.125%
HK$113,931
baseline
▲ 0.50% · 4.625%
HK$120,864
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,862/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,268
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,467
−HK$3,245/mo
Today · 4.125%
HK$125,712
baseline
▲ 0.50% · 4.625%
HK$132,338
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,424/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,098 · Scale 2, in force from 26 Feb 2026)