LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,589
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,442
−HK$1,884/mo
Today · 4.125%
HK$63,326
baseline
▲ 0.50% · 4.625%
HK$67,179
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,652/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,292
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,070
−HK$1,803/mo
Today · 4.125%
HK$69,873
baseline
▲ 0.50% · 4.625%
HK$73,557
+HK$3,684/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$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,507
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,731
−HK$2,260/mo
Today · 4.125%
HK$75,991
baseline
▲ 0.50% · 4.625%
HK$80,614
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,982/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,550
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,684
−HK$2,164/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,268
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,424
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,019
−HK$2,637/mo
Today · 4.125%
HK$88,656
baseline
▲ 0.50% · 4.625%
HK$94,050
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,312/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,809
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,298
−HK$2,525/mo
Today · 4.125%
HK$97,823
baseline
▲ 0.50% · 4.625%
HK$102,979
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,646/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,260
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$110,596
−HK$3,390/mo
Today · 4.125%
HK$113,986
baseline
▲ 0.50% · 4.625%
HK$120,922
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,972/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,325
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,526
−HK$3,246/mo
Today · 4.125%
HK$125,772
baseline
▲ 0.50% · 4.625%
HK$132,402
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,544/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,631 · Scale 2, in force from 26 Feb 2026)