LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,602
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,456
−HK$1,884/mo
Today · 4.125%
HK$63,340
baseline
▲ 0.50% · 4.625%
HK$67,194
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,680/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,307
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,085
−HK$1,804/mo
Today · 4.125%
HK$69,889
baseline
▲ 0.50% · 4.625%
HK$73,573
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,778/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,523
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,747
−HK$2,261/mo
Today · 4.125%
HK$76,008
baseline
▲ 0.50% · 4.625%
HK$80,632
+HK$4,624/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,016/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,568
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,702
−HK$2,165/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,288
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,443
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,038
−HK$2,638/mo
Today · 4.125%
HK$88,676
baseline
▲ 0.50% · 4.625%
HK$94,071
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,352/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,829
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,319
−HK$2,526/mo
Today · 4.125%
HK$97,845
baseline
▲ 0.50% · 4.625%
HK$103,002
+HK$5,157/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,690/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,284
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$110,621
−HK$3,390/mo
Today · 4.125%
HK$114,011
baseline
▲ 0.50% · 4.625%
HK$120,949
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,022/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,352
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,553
−HK$3,247/mo
Today · 4.125%
HK$125,800
baseline
▲ 0.50% · 4.625%
HK$132,431
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,600/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,879 · Scale 2, in force from 26 Feb 2026)