LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,624
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,478
−HK$1,885/mo
Today · 4.125%
HK$63,363
baseline
▲ 0.50% · 4.625%
HK$67,218
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,726/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,331
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,110
−HK$1,804/mo
Today · 4.125%
HK$69,914
baseline
▲ 0.50% · 4.625%
HK$73,600
+HK$3,686/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$1,111,281 · 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$80,662
+HK$4,627/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$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,597
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,732
−HK$2,165/mo
Today · 4.125%
HK$83,897
baseline
▲ 0.50% · 4.625%
HK$88,320
+HK$4,423/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$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,473
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,070
−HK$2,638/mo
Today · 4.125%
HK$88,708
baseline
▲ 0.50% · 4.625%
HK$94,105
+HK$5,397/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,416/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,863
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,354
−HK$2,526/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$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,323
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,661
−HK$3,392/mo
Today · 4.125%
HK$114,053
baseline
▲ 0.50% · 4.625%
HK$120,992
+HK$6,939/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,106/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,395
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,597
−HK$3,249/mo
Today · 4.125%
HK$125,846
baseline
▲ 0.50% · 4.625%
HK$132,479
+HK$6,633/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,692/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,281 · Scale 2, in force from 26 Feb 2026)