LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,597
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,451
−HK$1,883/mo
Today · 4.125%
HK$63,334
baseline
▲ 0.50% · 4.625%
HK$67,188
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,668/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,301
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,079
−HK$1,804/mo
Today · 4.125%
HK$69,883
baseline
▲ 0.50% · 4.625%
HK$73,567
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,766/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,516
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,741
−HK$2,260/mo
Today · 4.125%
HK$76,001
baseline
▲ 0.50% · 4.625%
HK$80,625
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$152,002/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,561
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,695
−HK$2,165/mo
Today · 4.125%
HK$83,860
baseline
▲ 0.50% · 4.625%
HK$88,280
+HK$4,420/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,720/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,436
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,031
−HK$2,637/mo
Today · 4.125%
HK$88,668
baseline
▲ 0.50% · 4.625%
HK$94,063
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,336/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,821
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,311
−HK$2,525/mo
Today · 4.125%
HK$97,836
baseline
▲ 0.50% · 4.625%
HK$102,993
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,672/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,274
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,611
−HK$3,390/mo
Today · 4.125%
HK$114,001
baseline
▲ 0.50% · 4.625%
HK$120,938
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,002/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,342
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$122,542
−HK$3,247/mo
Today · 4.125%
HK$125,789
baseline
▲ 0.50% · 4.625%
HK$132,420
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,578/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,783 · Scale 2, in force from 26 Feb 2026)