LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,623
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,478
−HK$1,884/mo
Today · 4.125%
HK$63,362
baseline
▲ 0.50% · 4.625%
HK$67,217
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,724/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,330
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,109
−HK$1,805/mo
Today · 4.125%
HK$69,914
baseline
▲ 0.50% · 4.625%
HK$73,599
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,828/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,773
−HK$2,261/mo
Today · 4.125%
HK$76,034
baseline
▲ 0.50% · 4.625%
HK$80,661
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,068/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,596
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,731
−HK$2,165/mo
Today · 4.125%
HK$83,896
baseline
▲ 0.50% · 4.625%
HK$88,319
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,792/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,069
−HK$2,638/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$94,104
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,414/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,862
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,353
−HK$2,526/mo
Today · 4.125%
HK$97,879
baseline
▲ 0.50% · 4.625%
HK$103,039
+HK$5,160/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,758/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,322
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,660
−HK$3,392/mo
Today · 4.125%
HK$114,052
baseline
▲ 0.50% · 4.625%
HK$120,991
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,104/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,394
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,596
−HK$3,249/mo
Today · 4.125%
HK$125,845
baseline
▲ 0.50% · 4.625%
HK$132,478
+HK$6,633/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,690/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,271 · Scale 2, in force from 26 Feb 2026)