LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,593
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,447
−HK$1,883/mo
Today · 4.125%
HK$63,330
baseline
▲ 0.50% · 4.625%
HK$67,183
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,660/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,297
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,075
−HK$1,803/mo
Today · 4.125%
HK$69,878
baseline
▲ 0.50% · 4.625%
HK$73,562
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,756/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,736
−HK$2,260/mo
Today · 4.125%
HK$75,996
baseline
▲ 0.50% · 4.625%
HK$80,620
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,992/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,556
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,689
−HK$2,165/mo
Today · 4.125%
HK$83,854
baseline
▲ 0.50% · 4.625%
HK$88,274
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,708/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,025
−HK$2,637/mo
Today · 4.125%
HK$88,662
baseline
▲ 0.50% · 4.625%
HK$94,057
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,324/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,815
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,304
−HK$2,526/mo
Today · 4.125%
HK$97,830
baseline
▲ 0.50% · 4.625%
HK$102,986
+HK$5,156/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,660/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,267
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,604
−HK$3,390/mo
Today · 4.125%
HK$113,994
baseline
▲ 0.50% · 4.625%
HK$120,930
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,988/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,334
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,534
−HK$3,247/mo
Today · 4.125%
HK$125,781
baseline
▲ 0.50% · 4.625%
HK$132,411
+HK$6,630/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,562/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,708 · Scale 2, in force from 26 Feb 2026)