LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,638
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,493
−HK$1,884/mo
Today · 4.125%
HK$63,377
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,754/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,126
−HK$1,805/mo
Today · 4.125%
HK$69,931
baseline
▲ 0.50% · 4.625%
HK$73,617
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,862/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,565
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,791
−HK$2,262/mo
Today · 4.125%
HK$76,053
baseline
▲ 0.50% · 4.625%
HK$80,680
+HK$4,627/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,106/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,615
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,751
−HK$2,166/mo
Today · 4.125%
HK$83,917
baseline
▲ 0.50% · 4.625%
HK$88,340
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,834/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,493
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,090
−HK$2,638/mo
Today · 4.125%
HK$88,728
baseline
▲ 0.50% · 4.625%
HK$94,127
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,456/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,885
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,527/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,064
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,348
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$110,687
−HK$3,392/mo
Today · 4.125%
HK$114,079
baseline
▲ 0.50% · 4.625%
HK$121,021
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,158/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,423
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$122,626
−HK$3,249/mo
Today · 4.125%
HK$125,875
baseline
▲ 0.50% · 4.625%
HK$132,510
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,750/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,540 · Scale 2, in force from 26 Feb 2026)