LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,620
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,884/mo
Today · 4.125%
HK$63,359
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,718/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,327
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$1,804/mo
Today · 4.125%
HK$69,910
baseline
▲ 0.50% · 4.625%
HK$73,595
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,820/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,544
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,770
−HK$2,261/mo
Today · 4.125%
HK$76,031
baseline
▲ 0.50% · 4.625%
HK$80,657
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,062/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,592
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,727
−HK$2,165/mo
Today · 4.125%
HK$83,892
baseline
▲ 0.50% · 4.625%
HK$88,314
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,784/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,468
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,064
−HK$2,638/mo
Today · 4.125%
HK$88,702
baseline
▲ 0.50% · 4.625%
HK$94,100
+HK$5,398/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,404/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,857
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,348
−HK$2,526/mo
Today · 4.125%
HK$97,874
baseline
▲ 0.50% · 4.625%
HK$103,033
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,748/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,316
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,654
−HK$3,392/mo
Today · 4.125%
HK$114,046
baseline
▲ 0.50% · 4.625%
HK$120,985
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,092/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,388
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,590
−HK$3,248/mo
Today · 4.125%
HK$125,838
baseline
▲ 0.50% · 4.625%
HK$132,471
+HK$6,633/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,676/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,215 · Scale 2, in force from 26 Feb 2026)