LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,588
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,441
−HK$1,884/mo
Today · 4.125%
HK$63,325
baseline
▲ 0.50% · 4.625%
HK$67,178
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,650/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,291
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$1,803/mo
Today · 4.125%
HK$69,872
baseline
▲ 0.50% · 4.625%
HK$73,555
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,744/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,505
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,730
−HK$2,259/mo
Today · 4.125%
HK$75,989
baseline
▲ 0.50% · 4.625%
HK$80,613
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,978/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,549
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,682
−HK$2,165/mo
Today · 4.125%
HK$83,847
baseline
▲ 0.50% · 4.625%
HK$88,267
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,694/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,423
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,018
−HK$2,636/mo
Today · 4.125%
HK$88,654
baseline
▲ 0.50% · 4.625%
HK$94,049
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,308/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,807
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,296
−HK$2,525/mo
Today · 4.125%
HK$97,821
baseline
▲ 0.50% · 4.625%
HK$102,978
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,642/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,258
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,594
−HK$3,390/mo
Today · 4.125%
HK$113,984
baseline
▲ 0.50% · 4.625%
HK$120,920
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,968/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,324
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,524
−HK$3,246/mo
Today · 4.125%
HK$125,770
baseline
▲ 0.50% · 4.625%
HK$132,400
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,540/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,614 · Scale 2, in force from 26 Feb 2026)