LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,588
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,442
−HK$1,883/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$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,291
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,069
−HK$1,804/mo
Today · 4.125%
HK$69,873
baseline
▲ 0.50% · 4.625%
HK$73,556
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,746/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,506
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,730
−HK$2,260/mo
Today · 4.125%
HK$75,990
baseline
▲ 0.50% · 4.625%
HK$80,614
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,980/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,550
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,683
−HK$2,164/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$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,423
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,018
−HK$2,637/mo
Today · 4.125%
HK$88,655
baseline
▲ 0.50% · 4.625%
HK$94,049
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,310/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,808
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,297
−HK$2,525/mo
Today · 4.125%
HK$97,822
baseline
▲ 0.50% · 4.625%
HK$102,978
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,644/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,259
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,595
−HK$3,390/mo
Today · 4.125%
HK$113,985
baseline
▲ 0.50% · 4.625%
HK$120,921
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,970/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,324
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,525
−HK$3,246/mo
Today · 4.125%
HK$125,771
baseline
▲ 0.50% · 4.625%
HK$132,401
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,542/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,620 · Scale 2, in force from 26 Feb 2026)