LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,612
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,466
−HK$1,884/mo
Today · 4.125%
HK$63,350
baseline
▲ 0.50% · 4.625%
HK$67,205
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,700/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,317
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,096
−HK$1,804/mo
Today · 4.125%
HK$69,900
baseline
▲ 0.50% · 4.625%
HK$73,585
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,800/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,534
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,759
−HK$2,261/mo
Today · 4.125%
HK$76,020
baseline
▲ 0.50% · 4.625%
HK$80,645
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,040/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,581
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,715
−HK$2,165/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,302
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,456
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,052
−HK$2,638/mo
Today · 4.125%
HK$88,690
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$5,396/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,380/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,844
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,334
−HK$2,526/mo
Today · 4.125%
HK$97,860
baseline
▲ 0.50% · 4.625%
HK$103,019
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,720/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,301
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,639
−HK$3,391/mo
Today · 4.125%
HK$114,030
baseline
▲ 0.50% · 4.625%
HK$120,968
+HK$6,938/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,060/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,371
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,573
−HK$3,248/mo
Today · 4.125%
HK$125,821
baseline
▲ 0.50% · 4.625%
HK$132,453
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,642/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,059 · Scale 2, in force from 26 Feb 2026)