LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,609
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,884/mo
Today · 4.125%
HK$63,347
baseline
▲ 0.50% · 4.625%
HK$67,201
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,694/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,093
−HK$1,804/mo
Today · 4.125%
HK$69,897
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$3,684/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,794/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,531
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,756
−HK$2,260/mo
Today · 4.125%
HK$76,016
baseline
▲ 0.50% · 4.625%
HK$80,642
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$152,032/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,577
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,711
−HK$2,165/mo
Today · 4.125%
HK$83,876
baseline
▲ 0.50% · 4.625%
HK$88,298
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.68M · min. income ≈ HK$167,752/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,452
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,638/mo
Today · 4.125%
HK$88,686
baseline
▲ 0.50% · 4.625%
HK$94,082
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,372/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,840
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,330
−HK$2,526/mo
Today · 4.125%
HK$97,856
baseline
▲ 0.50% · 4.625%
HK$103,014
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,712/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,296
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$110,633
−HK$3,391/mo
Today · 4.125%
HK$114,024
baseline
▲ 0.50% · 4.625%
HK$120,962
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,048/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,366
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,567
−HK$3,248/mo
Today · 4.125%
HK$125,815
baseline
▲ 0.50% · 4.625%
HK$132,447
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,630/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,006 · Scale 2, in force from 26 Feb 2026)