LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,572
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,883/mo
Today · 4.125%
HK$63,308
baseline
▲ 0.50% · 4.625%
HK$67,160
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,616/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,273
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,051
−HK$1,803/mo
Today · 4.125%
HK$69,854
baseline
▲ 0.50% · 4.625%
HK$73,536
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,708/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$2,259/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$80,592
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,528
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,661
−HK$2,163/mo
Today · 4.125%
HK$83,824
baseline
▲ 0.50% · 4.625%
HK$88,243
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,648/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,401
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,995
−HK$2,636/mo
Today · 4.125%
HK$88,631
baseline
▲ 0.50% · 4.625%
HK$94,024
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,262/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,782
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,271
−HK$2,524/mo
Today · 4.125%
HK$97,795
baseline
▲ 0.50% · 4.625%
HK$102,950
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,590/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,229
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,565
−HK$3,389/mo
Today · 4.125%
HK$113,954
baseline
▲ 0.50% · 4.625%
HK$120,887
+HK$6,933/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,908/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,292
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,491
−HK$3,246/mo
Today · 4.125%
HK$125,737
baseline
▲ 0.50% · 4.625%
HK$132,364
+HK$6,627/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,474/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,316 · Scale 2, in force from 26 Feb 2026)