LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,643
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,885/mo
Today · 4.125%
HK$63,384
baseline
▲ 0.50% · 4.625%
HK$67,240
+HK$3,856/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,768/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,353
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,132
−HK$1,806/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$73,624
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,876/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,572
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,798
−HK$2,262/mo
Today · 4.125%
HK$76,060
baseline
▲ 0.50% · 4.625%
HK$80,688
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,120/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,623
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,166/mo
Today · 4.125%
HK$83,925
baseline
▲ 0.50% · 4.625%
HK$88,349
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,850/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,501
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,098
−HK$2,639/mo
Today · 4.125%
HK$88,737
baseline
▲ 0.50% · 4.625%
HK$94,136
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,474/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,894
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,385
−HK$2,528/mo
Today · 4.125%
HK$97,913
baseline
▲ 0.50% · 4.625%
HK$103,074
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,826/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,358
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,698
−HK$3,393/mo
Today · 4.125%
HK$114,091
baseline
▲ 0.50% · 4.625%
HK$121,033
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,182/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,435
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,638
−HK$3,250/mo
Today · 4.125%
HK$125,888
baseline
▲ 0.50% · 4.625%
HK$132,523
+HK$6,635/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,776/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,650 · Scale 2, in force from 26 Feb 2026)