LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,595
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,449
−HK$1,884/mo
Today · 4.125%
HK$63,333
baseline
▲ 0.50% · 4.625%
HK$67,186
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,666/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,299
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,077
−HK$1,804/mo
Today · 4.125%
HK$69,881
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,762/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,515
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,739
−HK$2,260/mo
Today · 4.125%
HK$75,999
baseline
▲ 0.50% · 4.625%
HK$80,623
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,998/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,559
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,693
−HK$2,165/mo
Today · 4.125%
HK$83,858
baseline
▲ 0.50% · 4.625%
HK$88,278
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,716/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,434
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,029
−HK$2,637/mo
Today · 4.125%
HK$88,666
baseline
▲ 0.50% · 4.625%
HK$94,061
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,332/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,819
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,308
−HK$2,526/mo
Today · 4.125%
HK$97,834
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,668/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,272
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,609
−HK$3,390/mo
Today · 4.125%
HK$113,999
baseline
▲ 0.50% · 4.625%
HK$120,935
+HK$6,936/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$227,998/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,339
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,539
−HK$3,247/mo
Today · 4.125%
HK$125,786
baseline
▲ 0.50% · 4.625%
HK$132,417
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,572/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,755 · Scale 2, in force from 26 Feb 2026)