LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,567
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,420
−HK$1,883/mo
Today · 4.125%
HK$63,303
baseline
▲ 0.50% · 4.625%
HK$67,154
+HK$3,851/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,606/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,268
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,045
−HK$1,803/mo
Today · 4.125%
HK$69,848
baseline
▲ 0.50% · 4.625%
HK$73,530
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,696/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,481
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$2,259/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,522
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,654
−HK$2,164/mo
Today · 4.125%
HK$83,818
baseline
▲ 0.50% · 4.625%
HK$88,236
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,636/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,394
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,988
−HK$2,636/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$94,016
+HK$5,392/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,775
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,263
−HK$2,524/mo
Today · 4.125%
HK$97,787
baseline
▲ 0.50% · 4.625%
HK$102,942
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,574/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,221
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,556
−HK$3,389/mo
Today · 4.125%
HK$113,945
baseline
▲ 0.50% · 4.625%
HK$120,878
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,890/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,282
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,481
−HK$3,246/mo
Today · 4.125%
HK$125,727
baseline
▲ 0.50% · 4.625%
HK$132,354
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,454/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,230 · Scale 2, in force from 26 Feb 2026)