LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,606
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,460
−HK$1,884/mo
Today · 4.125%
HK$63,344
baseline
▲ 0.50% · 4.625%
HK$67,198
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,688/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,311
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,089
−HK$1,804/mo
Today · 4.125%
HK$69,893
baseline
▲ 0.50% · 4.625%
HK$73,578
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,786/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,527
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,752
−HK$2,260/mo
Today · 4.125%
HK$76,012
baseline
▲ 0.50% · 4.625%
HK$80,638
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,024/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,573
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,707
−HK$2,165/mo
Today · 4.125%
HK$83,872
baseline
▲ 0.50% · 4.625%
HK$88,293
+HK$4,421/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,744/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,448
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,044
−HK$2,637/mo
Today · 4.125%
HK$88,681
baseline
▲ 0.50% · 4.625%
HK$94,077
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,362/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,835
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,325
−HK$2,526/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,009
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,291
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,628
−HK$3,391/mo
Today · 4.125%
HK$114,019
baseline
▲ 0.50% · 4.625%
HK$120,956
+HK$6,937/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,038/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,360
−HK$6,448/mo
▼ 0.25% · 3.875%
HK$122,561
−HK$3,247/mo
Today · 4.125%
HK$125,808
baseline
▲ 0.50% · 4.625%
HK$132,440
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,616/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,949 · Scale 2, in force from 26 Feb 2026)