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$67,218
+HK$3,856/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$1,111,276 · 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$1,111,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,774
−HK$2,261/mo
Today · 4.125%
HK$76,035
baseline
▲ 0.50% · 4.625%
HK$80,661
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,070/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,596
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,731
−HK$2,166/mo
Today · 4.125%
HK$83,897
baseline
▲ 0.50% · 4.625%
HK$88,319
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,794/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,473
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,069
−HK$2,638/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$5,398/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$1,111,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,863
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,353
−HK$2,527/mo
Today · 4.125%
HK$97,880
baseline
▲ 0.50% · 4.625%
HK$103,039
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,760/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,276 · 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$120,992
+HK$6,940/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$1,111,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,395
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$122,597
−HK$3,248/mo
Today · 4.125%
HK$125,845
baseline
▲ 0.50% · 4.625%
HK$132,479
+HK$6,634/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$1,111,276 · Scale 2, in force from 26 Feb 2026)