LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,591
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,884/mo
Today · 4.125%
HK$63,328
baseline
▲ 0.50% · 4.625%
HK$67,181
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,656/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,294
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,072
−HK$1,804/mo
Today · 4.125%
HK$69,876
baseline
▲ 0.50% · 4.625%
HK$73,559
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,752/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,509
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,733
−HK$2,260/mo
Today · 4.125%
HK$75,993
baseline
▲ 0.50% · 4.625%
HK$80,617
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,986/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,553
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,686
−HK$2,165/mo
Today · 4.125%
HK$83,851
baseline
▲ 0.50% · 4.625%
HK$88,271
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,702/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,427
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,022
−HK$2,637/mo
Today · 4.125%
HK$88,659
baseline
▲ 0.50% · 4.625%
HK$94,053
+HK$5,394/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,318/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,812
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$95,301
−HK$2,525/mo
Today · 4.125%
HK$97,826
baseline
▲ 0.50% · 4.625%
HK$102,983
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,652/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,263
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,600
−HK$3,390/mo
Today · 4.125%
HK$113,990
baseline
▲ 0.50% · 4.625%
HK$120,926
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,980/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,329
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,530
−HK$3,246/mo
Today · 4.125%
HK$125,776
baseline
▲ 0.50% · 4.625%
HK$132,406
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,552/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,668 · Scale 2, in force from 26 Feb 2026)