LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,626
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,884/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,856/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,333
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,112
−HK$1,805/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$3,686/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,551
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,777
−HK$2,261/mo
Today · 4.125%
HK$76,038
baseline
▲ 0.50% · 4.625%
HK$80,665
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,076/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,600
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,735
−HK$2,166/mo
Today · 4.125%
HK$83,901
baseline
▲ 0.50% · 4.625%
HK$88,323
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,802/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,476
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,073
−HK$2,638/mo
Today · 4.125%
HK$88,711
baseline
▲ 0.50% · 4.625%
HK$94,109
+HK$5,398/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,422/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,867
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,357
−HK$2,527/mo
Today · 4.125%
HK$97,884
baseline
▲ 0.50% · 4.625%
HK$103,044
+HK$5,160/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,768/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,327
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,665
−HK$3,392/mo
Today · 4.125%
HK$114,057
baseline
▲ 0.50% · 4.625%
HK$120,997
+HK$6,940/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,114/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,400
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,602
−HK$3,249/mo
Today · 4.125%
HK$125,851
baseline
▲ 0.50% · 4.625%
HK$132,485
+HK$6,634/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,702/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,325 · Scale 2, in force from 26 Feb 2026)