LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,563
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,416
−HK$1,882/mo
Today · 4.125%
HK$63,298
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,596/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,263
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,040
−HK$1,803/mo
Today · 4.125%
HK$69,843
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,686/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,475
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,699
−HK$2,259/mo
Today · 4.125%
HK$75,958
baseline
▲ 0.50% · 4.625%
HK$80,579
+HK$4,621/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,916/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,648
−HK$2,164/mo
Today · 4.125%
HK$83,812
baseline
▲ 0.50% · 4.625%
HK$88,230
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,624/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,388
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,982
−HK$2,635/mo
Today · 4.125%
HK$88,617
baseline
▲ 0.50% · 4.625%
HK$94,009
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$177,234/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,768
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,256
−HK$2,524/mo
Today · 4.125%
HK$97,780
baseline
▲ 0.50% · 4.625%
HK$102,934
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.28M · min. income ≈ HK$195,560/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,213
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,548
−HK$3,388/mo
Today · 4.125%
HK$113,936
baseline
▲ 0.50% · 4.625%
HK$120,869
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,872/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,274
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,472
−HK$3,246/mo
Today · 4.125%
HK$125,718
baseline
▲ 0.50% · 4.625%
HK$132,344
+HK$6,626/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,436/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,148 · Scale 2, in force from 26 Feb 2026)