LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,627
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,885/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,855/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,732/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$1,805/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$3,685/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,552
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,778
−HK$2,261/mo
Today · 4.125%
HK$76,039
baseline
▲ 0.50% · 4.625%
HK$80,666
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,078/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,601
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,736
−HK$2,165/mo
Today · 4.125%
HK$83,901
baseline
▲ 0.50% · 4.625%
HK$88,324
+HK$4,423/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$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,477
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,074
−HK$2,638/mo
Today · 4.125%
HK$88,712
baseline
▲ 0.50% · 4.625%
HK$94,110
+HK$5,398/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,424/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,868
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,358
−HK$2,527/mo
Today · 4.125%
HK$97,885
baseline
▲ 0.50% · 4.625%
HK$103,045
+HK$5,160/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,770/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,328
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,666
−HK$3,392/mo
Today · 4.125%
HK$114,058
baseline
▲ 0.50% · 4.625%
HK$120,998
+HK$6,940/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,116/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,401
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,603
−HK$3,249/mo
Today · 4.125%
HK$125,852
baseline
▲ 0.50% · 4.625%
HK$132,486
+HK$6,634/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,704/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,336 · Scale 2, in force from 26 Feb 2026)