LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,644
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,885/mo
Today · 4.125%
HK$63,384
baseline
▲ 0.50% · 4.625%
HK$67,241
+HK$3,857/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$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,354
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$1,805/mo
Today · 4.125%
HK$69,938
baseline
▲ 0.50% · 4.625%
HK$73,625
+HK$3,687/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$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,573
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,799
−HK$2,262/mo
Today · 4.125%
HK$76,061
baseline
▲ 0.50% · 4.625%
HK$80,689
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,122/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,624
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,166/mo
Today · 4.125%
HK$83,926
baseline
▲ 0.50% · 4.625%
HK$88,350
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,852/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,502
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,639/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,895
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,386
−HK$2,528/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,075
+HK$5,161/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,828/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,360
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$110,699
−HK$3,393/mo
Today · 4.125%
HK$114,092
baseline
▲ 0.50% · 4.625%
HK$121,034
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,184/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,436
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,640
−HK$3,249/mo
Today · 4.125%
HK$125,889
baseline
▲ 0.50% · 4.625%
HK$132,525
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,778/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,664 · Scale 2, in force from 26 Feb 2026)