LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,643
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,498
−HK$1,885/mo
Today · 4.125%
HK$63,383
baseline
▲ 0.50% · 4.625%
HK$67,239
+HK$3,856/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,766/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,352
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,131
−HK$1,806/mo
Today · 4.125%
HK$69,937
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,874/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,571
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,797
−HK$2,262/mo
Today · 4.125%
HK$76,059
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,118/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,622
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,758
−HK$2,166/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$88,348
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,500
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,097
−HK$2,639/mo
Today · 4.125%
HK$88,736
baseline
▲ 0.50% · 4.625%
HK$94,135
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,472/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,893
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,384
−HK$2,527/mo
Today · 4.125%
HK$97,911
baseline
▲ 0.50% · 4.625%
HK$103,072
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,822/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,357
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,696
−HK$3,393/mo
Today · 4.125%
HK$114,089
baseline
▲ 0.50% · 4.625%
HK$121,031
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,178/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,433
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,636
−HK$3,250/mo
Today · 4.125%
HK$125,886
baseline
▲ 0.50% · 4.625%
HK$132,521
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,772/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,635 · Scale 2, in force from 26 Feb 2026)