LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,658
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,513
−HK$1,886/mo
Today · 4.125%
HK$63,399
baseline
▲ 0.50% · 4.625%
HK$67,256
+HK$3,857/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,798/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,369
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,148
−HK$1,806/mo
Today · 4.125%
HK$69,954
baseline
▲ 0.50% · 4.625%
HK$73,642
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,908/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,589
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$2,262/mo
Today · 4.125%
HK$76,078
baseline
▲ 0.50% · 4.625%
HK$80,708
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,156/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,642
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,778
−HK$2,167/mo
Today · 4.125%
HK$83,945
baseline
▲ 0.50% · 4.625%
HK$88,370
+HK$4,425/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,890/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,521
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,119
−HK$2,639/mo
Today · 4.125%
HK$88,758
baseline
▲ 0.50% · 4.625%
HK$94,159
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$177,516/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,916
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,408
−HK$2,528/mo
Today · 4.125%
HK$97,936
baseline
▲ 0.50% · 4.625%
HK$103,098
+HK$5,162/mo
Deposit HK$7.85M · loan HK$18.31M · min. income ≈ HK$195,872/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,384
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,724
−HK$3,394/mo
Today · 4.125%
HK$114,118
baseline
▲ 0.50% · 4.625%
HK$121,061
+HK$6,943/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,236/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,463
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,667
−HK$3,251/mo
Today · 4.125%
HK$125,918
baseline
▲ 0.50% · 4.625%
HK$132,555
+HK$6,637/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,836/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,111,914 · Scale 2, in force from 26 Feb 2026)