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$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,267
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,044
−HK$1,803/mo
Today · 4.125%
HK$69,847
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$3,681/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,694/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,479
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,703
−HK$2,259/mo
Today · 4.125%
HK$75,962
baseline
▲ 0.50% · 4.625%
HK$80,584
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,924/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,653
−HK$2,163/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$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,392
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,986
−HK$2,636/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$94,014
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,244/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,207 · 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$102,940
+HK$5,155/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$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,219
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,554
−HK$3,388/mo
Today · 4.125%
HK$113,942
baseline
▲ 0.50% · 4.625%
HK$120,876
+HK$6,934/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$1,110,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,280
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$122,479
−HK$3,245/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$1,110,207 · Scale 2, in force from 26 Feb 2026)