LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,580
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,433
−HK$1,883/mo
Today · 4.125%
HK$63,316
baseline
▲ 0.50% · 4.625%
HK$67,169
+HK$3,853/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,632/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,282
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,060
−HK$1,803/mo
Today · 4.125%
HK$69,863
baseline
▲ 0.50% · 4.625%
HK$73,546
+HK$3,683/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,726/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,496
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,720
−HK$2,260/mo
Today · 4.125%
HK$75,980
baseline
▲ 0.50% · 4.625%
HK$80,603
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,960/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,539
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,672
−HK$2,164/mo
Today · 4.125%
HK$83,836
baseline
▲ 0.50% · 4.625%
HK$88,255
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,672/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,412
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,007
−HK$2,636/mo
Today · 4.125%
HK$88,643
baseline
▲ 0.50% · 4.625%
HK$94,037
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,286/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,795
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,284
−HK$2,525/mo
Today · 4.125%
HK$97,809
baseline
▲ 0.50% · 4.625%
HK$102,964
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,618/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,244
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,580
−HK$3,389/mo
Today · 4.125%
HK$113,969
baseline
▲ 0.50% · 4.625%
HK$120,904
+HK$6,935/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,938/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,308
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,508
−HK$3,246/mo
Today · 4.125%
HK$125,754
baseline
▲ 0.50% · 4.625%
HK$132,383
+HK$6,629/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,508/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,470 · Scale 2, in force from 26 Feb 2026)