LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,566
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,419
−HK$1,882/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$67,153
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,266
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,044
−HK$1,802/mo
Today · 4.125%
HK$69,846
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,692/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,479
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$2,259/mo
Today · 4.125%
HK$75,961
baseline
▲ 0.50% · 4.625%
HK$80,583
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,922/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,652
−HK$2,164/mo
Today · 4.125%
HK$83,816
baseline
▲ 0.50% · 4.625%
HK$88,234
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,632/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,392
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,986
−HK$2,635/mo
Today · 4.125%
HK$88,621
baseline
▲ 0.50% · 4.625%
HK$94,014
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,242/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,773
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,261
−HK$2,524/mo
Today · 4.125%
HK$97,785
baseline
▲ 0.50% · 4.625%
HK$102,939
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,570/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,218
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,553
−HK$3,389/mo
Today · 4.125%
HK$113,942
baseline
▲ 0.50% · 4.625%
HK$120,875
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,884/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,279
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,478
−HK$3,246/mo
Today · 4.125%
HK$125,724
baseline
▲ 0.50% · 4.625%
HK$132,351
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,448/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,202 · Scale 2, in force from 26 Feb 2026)