LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,581
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,434
−HK$1,883/mo
Today · 4.125%
HK$63,317
baseline
▲ 0.50% · 4.625%
HK$67,170
+HK$3,853/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,634/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,283
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,061
−HK$1,803/mo
Today · 4.125%
HK$69,864
baseline
▲ 0.50% · 4.625%
HK$73,547
+HK$3,683/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,728/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,497
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,721
−HK$2,260/mo
Today · 4.125%
HK$75,981
baseline
▲ 0.50% · 4.625%
HK$80,604
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,962/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,540
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,673
−HK$2,164/mo
Today · 4.125%
HK$83,837
baseline
▲ 0.50% · 4.625%
HK$88,256
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,674/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,413
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,008
−HK$2,636/mo
Today · 4.125%
HK$88,644
baseline
▲ 0.50% · 4.625%
HK$94,038
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,288/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,796
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,285
−HK$2,525/mo
Today · 4.125%
HK$97,810
baseline
▲ 0.50% · 4.625%
HK$102,966
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,620/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,246
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,582
−HK$3,389/mo
Today · 4.125%
HK$113,971
baseline
▲ 0.50% · 4.625%
HK$120,906
+HK$6,935/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,942/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,310
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,509
−HK$3,247/mo
Today · 4.125%
HK$125,756
baseline
▲ 0.50% · 4.625%
HK$132,384
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,512/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,484 · Scale 2, in force from 26 Feb 2026)