LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,566
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,419
−HK$1,883/mo
Today · 4.125%
HK$63,302
baseline
▲ 0.50% · 4.625%
HK$67,153
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,604/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,213 · 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$73,529
+HK$3,682/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$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,480
−HK$4,482/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$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,520
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,653
−HK$2,164/mo
Today · 4.125%
HK$83,817
baseline
▲ 0.50% · 4.625%
HK$88,235
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,634/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,393
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,987
−HK$2,635/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$94,015
+HK$5,393/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$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,774
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,262
−HK$2,524/mo
Today · 4.125%
HK$97,786
baseline
▲ 0.50% · 4.625%
HK$102,940
+HK$5,154/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,572/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,219
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,555
−HK$3,388/mo
Today · 4.125%
HK$113,943
baseline
▲ 0.50% · 4.625%
HK$120,876
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,886/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,280
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,480
−HK$3,245/mo
Today · 4.125%
HK$125,725
baseline
▲ 0.50% · 4.625%
HK$132,352
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,450/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,213 · Scale 2, in force from 26 Feb 2026)