LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,631
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,486
−HK$1,884/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$67,226
+HK$3,856/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,339
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,118
−HK$1,805/mo
Today · 4.125%
HK$69,923
baseline
▲ 0.50% · 4.625%
HK$73,609
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,846/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,557
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,783
−HK$2,261/mo
Today · 4.125%
HK$76,044
baseline
▲ 0.50% · 4.625%
HK$80,672
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,088/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,607
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,742
−HK$2,166/mo
Today · 4.125%
HK$83,908
baseline
▲ 0.50% · 4.625%
HK$88,330
+HK$4,422/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,816/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,483
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,080
−HK$2,639/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$94,117
+HK$5,398/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,874
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,365
−HK$2,527/mo
Today · 4.125%
HK$97,892
baseline
▲ 0.50% · 4.625%
HK$103,052
+HK$5,160/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,784/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,336
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,675
−HK$3,392/mo
Today · 4.125%
HK$114,067
baseline
▲ 0.50% · 4.625%
HK$121,007
+HK$6,940/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,134/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,410
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$122,613
−HK$3,248/mo
Today · 4.125%
HK$125,861
baseline
▲ 0.50% · 4.625%
HK$132,496
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,722/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,419 · Scale 2, in force from 26 Feb 2026)