LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,603
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,457
−HK$1,883/mo
Today · 4.125%
HK$63,340
baseline
▲ 0.50% · 4.625%
HK$67,195
+HK$3,855/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$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,308
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,086
−HK$1,804/mo
Today · 4.125%
HK$69,890
baseline
▲ 0.50% · 4.625%
HK$73,574
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,780/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,523
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,748
−HK$2,261/mo
Today · 4.125%
HK$76,009
baseline
▲ 0.50% · 4.625%
HK$80,633
+HK$4,624/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,018/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,569
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,703
−HK$2,165/mo
Today · 4.125%
HK$83,868
baseline
▲ 0.50% · 4.625%
HK$88,289
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,736/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,444
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,040
−HK$2,637/mo
Today · 4.125%
HK$88,677
baseline
▲ 0.50% · 4.625%
HK$94,072
+HK$5,395/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,354/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,831
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,320
−HK$2,526/mo
Today · 4.125%
HK$97,846
baseline
▲ 0.50% · 4.625%
HK$103,004
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,692/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,285
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,622
−HK$3,391/mo
Today · 4.125%
HK$114,013
baseline
▲ 0.50% · 4.625%
HK$120,950
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$228,026/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,354
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,555
−HK$3,247/mo
Today · 4.125%
HK$125,802
baseline
▲ 0.50% · 4.625%
HK$132,433
+HK$6,631/mo
Deposit HK$2.61M · loan HK$23.52M · min. income ≈ HK$251,604/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,893 · Scale 2, in force from 26 Feb 2026)