LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,627
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,884/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,222
+HK$3,856/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$1,111,343 · 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$73,604
+HK$3,686/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$1,111,343 · 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$1,111,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,601
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,736
−HK$2,166/mo
Today · 4.125%
HK$83,902
baseline
▲ 0.50% · 4.625%
HK$88,325
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,804/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,478
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,074
−HK$2,639/mo
Today · 4.125%
HK$88,713
baseline
▲ 0.50% · 4.625%
HK$94,111
+HK$5,398/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,426/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,868
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,359
−HK$2,527/mo
Today · 4.125%
HK$97,886
baseline
▲ 0.50% · 4.625%
HK$103,045
+HK$5,159/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,772/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,329
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$110,667
−HK$3,392/mo
Today · 4.125%
HK$114,059
baseline
▲ 0.50% · 4.625%
HK$120,999
+HK$6,940/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,118/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,402
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,604
−HK$3,249/mo
Today · 4.125%
HK$125,853
baseline
▲ 0.50% · 4.625%
HK$132,487
+HK$6,634/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,706/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,343 · Scale 2, in force from 26 Feb 2026)