LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,628
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,483
−HK$1,884/mo
Today · 4.125%
HK$63,367
baseline
▲ 0.50% · 4.625%
HK$67,223
+HK$3,856/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$126,734/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,336
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$1,804/mo
Today · 4.125%
HK$69,919
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$3,686/mo
Deposit HK$13.07M · loan HK$13.07M · min. income ≈ HK$139,838/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,554
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,779
−HK$2,262/mo
Today · 4.125%
HK$76,041
baseline
▲ 0.50% · 4.625%
HK$80,667
+HK$4,626/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,082/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,603
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,738
−HK$2,165/mo
Today · 4.125%
HK$83,903
baseline
▲ 0.50% · 4.625%
HK$88,326
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,806/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,479
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,076
−HK$2,638/mo
Today · 4.125%
HK$88,714
baseline
▲ 0.50% · 4.625%
HK$94,112
+HK$5,398/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$177,428/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,870
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,360
−HK$2,527/mo
Today · 4.125%
HK$97,887
baseline
▲ 0.50% · 4.625%
HK$103,047
+HK$5,160/mo
Deposit HK$7.84M · loan HK$18.30M · min. income ≈ HK$195,774/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,330
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,669
−HK$3,392/mo
Today · 4.125%
HK$114,061
baseline
▲ 0.50% · 4.625%
HK$121,001
+HK$6,940/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$228,122/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,404
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,606
−HK$3,249/mo
Today · 4.125%
HK$125,855
baseline
▲ 0.50% · 4.625%
HK$132,489
+HK$6,634/mo
Deposit HK$2.61M · loan HK$23.53M · min. income ≈ HK$251,710/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,362 · Scale 2, in force from 26 Feb 2026)