LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,656
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,511
−HK$1,886/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$67,254
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,794/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,366
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,146
−HK$1,806/mo
Today · 4.125%
HK$69,952
baseline
▲ 0.50% · 4.625%
HK$73,639
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,904/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,587
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,814
−HK$2,262/mo
Today · 4.125%
HK$76,076
baseline
▲ 0.50% · 4.625%
HK$80,705
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,152/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,640
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,776
−HK$2,166/mo
Today · 4.125%
HK$83,942
baseline
▲ 0.50% · 4.625%
HK$88,367
+HK$4,425/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$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,116
−HK$2,639/mo
Today · 4.125%
HK$88,755
baseline
▲ 0.50% · 4.625%
HK$94,156
+HK$5,401/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$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,913
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,405
−HK$2,528/mo
Today · 4.125%
HK$97,933
baseline
▲ 0.50% · 4.625%
HK$103,095
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,866/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,380
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,720
−HK$3,394/mo
Today · 4.125%
HK$114,114
baseline
▲ 0.50% · 4.625%
HK$121,057
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,228/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,878 · 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$132,551
+HK$6,638/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$1,111,878 · Scale 2, in force from 26 Feb 2026)