LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,645
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,885/mo
Today · 4.125%
HK$63,385
baseline
▲ 0.50% · 4.625%
HK$67,242
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,770/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,354
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,134
−HK$1,805/mo
Today · 4.125%
HK$69,939
baseline
▲ 0.50% · 4.625%
HK$73,625
+HK$3,686/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,878/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,573
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$2,262/mo
Today · 4.125%
HK$76,062
baseline
▲ 0.50% · 4.625%
HK$80,690
+HK$4,628/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$152,124/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,625
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,167/mo
Today · 4.125%
HK$83,927
baseline
▲ 0.50% · 4.625%
HK$88,350
+HK$4,423/mo
Deposit HK$10.46M · loan HK$15.69M · min. income ≈ HK$167,854/mo (50% DSR)
Upfront cash ≈ HK$11.57M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,502
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,100
−HK$2,639/mo
Today · 4.125%
HK$88,739
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$5,399/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,478/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,896
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,527/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,076
+HK$5,162/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$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,360
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,700
−HK$3,393/mo
Today · 4.125%
HK$114,093
baseline
▲ 0.50% · 4.625%
HK$121,035
+HK$6,942/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$228,186/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,437
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$122,640
−HK$3,250/mo
Today · 4.125%
HK$125,890
baseline
▲ 0.50% · 4.625%
HK$132,526
+HK$6,636/mo
Deposit HK$2.62M · loan HK$23.54M · min. income ≈ HK$251,780/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,670 · Scale 2, in force from 26 Feb 2026)