LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,655
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,511
−HK$1,885/mo
Today · 4.125%
HK$63,396
baseline
▲ 0.50% · 4.625%
HK$67,254
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,792/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,146
−HK$1,805/mo
Today · 4.125%
HK$69,951
baseline
▲ 0.50% · 4.625%
HK$73,639
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,902/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,586
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,813
−HK$2,262/mo
Today · 4.125%
HK$76,075
baseline
▲ 0.50% · 4.625%
HK$80,704
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,150/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,639
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,775
−HK$2,167/mo
Today · 4.125%
HK$83,942
baseline
▲ 0.50% · 4.625%
HK$88,366
+HK$4,424/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,884/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,517
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,115
−HK$2,640/mo
Today · 4.125%
HK$88,755
baseline
▲ 0.50% · 4.625%
HK$94,155
+HK$5,400/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,510/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,912
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,404
−HK$2,528/mo
Today · 4.125%
HK$97,932
baseline
▲ 0.50% · 4.625%
HK$103,094
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,864/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,380
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,720
−HK$3,393/mo
Today · 4.125%
HK$114,113
baseline
▲ 0.50% · 4.625%
HK$121,057
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,226/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,459
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,663
−HK$3,250/mo
Today · 4.125%
HK$125,913
baseline
▲ 0.50% · 4.625%
HK$132,550
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,826/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,872 · Scale 2, in force from 26 Feb 2026)