LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,598
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,884/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$67,189
+HK$3,853/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$1,804/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$73,568
+HK$3,683/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,518
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,742
−HK$2,261/mo
Today · 4.125%
HK$76,003
baseline
▲ 0.50% · 4.625%
HK$80,627
+HK$4,624/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$152,006/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,563
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,697
−HK$2,164/mo
Today · 4.125%
HK$83,861
baseline
▲ 0.50% · 4.625%
HK$88,282
+HK$4,421/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,722/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,438
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$86,033
−HK$2,637/mo
Today · 4.125%
HK$88,670
baseline
▲ 0.50% · 4.625%
HK$94,065
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,340/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,823
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,313
−HK$2,525/mo
Today · 4.125%
HK$97,838
baseline
▲ 0.50% · 4.625%
HK$102,996
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,676/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,277
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,614
−HK$3,390/mo
Today · 4.125%
HK$114,004
baseline
▲ 0.50% · 4.625%
HK$120,941
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,008/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,344
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,545
−HK$3,247/mo
Today · 4.125%
HK$125,792
baseline
▲ 0.50% · 4.625%
HK$132,423
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,584/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,807 · Scale 2, in force from 26 Feb 2026)