LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,666
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,521
−HK$1,886/mo
Today · 4.125%
HK$63,407
baseline
▲ 0.50% · 4.625%
HK$67,265
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,814/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,377
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,158
−HK$1,805/mo
Today · 4.125%
HK$69,963
baseline
▲ 0.50% · 4.625%
HK$73,651
+HK$3,688/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,926/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,599
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,826
−HK$2,262/mo
Today · 4.125%
HK$76,088
baseline
▲ 0.50% · 4.625%
HK$80,718
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,176/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,653
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,789
−HK$2,167/mo
Today · 4.125%
HK$83,956
baseline
▲ 0.50% · 4.625%
HK$88,382
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,912/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,532
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,130
−HK$2,640/mo
Today · 4.125%
HK$88,770
baseline
▲ 0.50% · 4.625%
HK$94,171
+HK$5,401/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,540/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,928
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,421
−HK$2,528/mo
Today · 4.125%
HK$97,949
baseline
▲ 0.50% · 4.625%
HK$103,112
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,898/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,398
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,739
−HK$3,394/mo
Today · 4.125%
HK$114,133
baseline
▲ 0.50% · 4.625%
HK$121,077
+HK$6,944/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,266/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,479
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,684
−HK$3,250/mo
Today · 4.125%
HK$125,934
baseline
▲ 0.50% · 4.625%
HK$132,572
+HK$6,638/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,868/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,062 · Scale 2, in force from 26 Feb 2026)