LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,656
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,512
−HK$1,885/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$67,255
+HK$3,858/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$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,367
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,147
−HK$1,806/mo
Today · 4.125%
HK$69,953
baseline
▲ 0.50% · 4.625%
HK$73,640
+HK$3,687/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,906/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,588
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,814
−HK$2,263/mo
Today · 4.125%
HK$76,077
baseline
▲ 0.50% · 4.625%
HK$80,706
+HK$4,629/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$152,154/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,641
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,777
−HK$2,166/mo
Today · 4.125%
HK$83,943
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$4,425/mo
Deposit HK$10.46M · loan HK$15.70M · min. income ≈ HK$167,886/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,519
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,117
−HK$2,639/mo
Today · 4.125%
HK$88,756
baseline
▲ 0.50% · 4.625%
HK$94,157
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,512/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,914
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,406
−HK$2,528/mo
Today · 4.125%
HK$97,934
baseline
▲ 0.50% · 4.625%
HK$103,096
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,868/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,382
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$110,722
−HK$3,393/mo
Today · 4.125%
HK$114,115
baseline
▲ 0.50% · 4.625%
HK$121,059
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,230/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,461
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,665
−HK$3,250/mo
Today · 4.125%
HK$125,915
baseline
▲ 0.50% · 4.625%
HK$132,552
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,830/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,892 · Scale 2, in force from 26 Feb 2026)