LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,612
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,884/mo
Today · 4.125%
HK$63,351
baseline
▲ 0.50% · 4.625%
HK$67,205
+HK$3,854/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,702/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,318
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,097
−HK$1,804/mo
Today · 4.125%
HK$69,901
baseline
▲ 0.50% · 4.625%
HK$73,586
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,802/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,535
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,760
−HK$2,261/mo
Today · 4.125%
HK$76,021
baseline
▲ 0.50% · 4.625%
HK$80,646
+HK$4,625/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,042/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,582
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,716
−HK$2,165/mo
Today · 4.125%
HK$83,881
baseline
▲ 0.50% · 4.625%
HK$88,303
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,762/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,053
−HK$2,638/mo
Today · 4.125%
HK$88,691
baseline
▲ 0.50% · 4.625%
HK$94,088
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,382/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,846
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,336
−HK$2,526/mo
Today · 4.125%
HK$97,862
baseline
▲ 0.50% · 4.625%
HK$103,020
+HK$5,158/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,724/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,302
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,640
−HK$3,391/mo
Today · 4.125%
HK$114,031
baseline
▲ 0.50% · 4.625%
HK$120,970
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,062/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,373
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,574
−HK$3,248/mo
Today · 4.125%
HK$125,822
baseline
▲ 0.50% · 4.625%
HK$132,454
+HK$6,632/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,644/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,072 · Scale 2, in force from 26 Feb 2026)