LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,670
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,526
−HK$1,886/mo
Today · 4.125%
HK$63,412
baseline
▲ 0.50% · 4.625%
HK$67,270
+HK$3,858/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,824/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,382
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,162
−HK$1,806/mo
Today · 4.125%
HK$69,968
baseline
▲ 0.50% · 4.625%
HK$73,657
+HK$3,689/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,936/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,604
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,831
−HK$2,263/mo
Today · 4.125%
HK$76,094
baseline
▲ 0.50% · 4.625%
HK$80,724
+HK$4,630/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,188/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,658
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,795
−HK$2,167/mo
Today · 4.125%
HK$83,962
baseline
▲ 0.50% · 4.625%
HK$88,388
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,924/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,538
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,640/mo
Today · 4.125%
HK$88,776
baseline
▲ 0.50% · 4.625%
HK$94,178
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,552/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,935
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,427
−HK$2,529/mo
Today · 4.125%
HK$97,956
baseline
▲ 0.50% · 4.625%
HK$103,119
+HK$5,163/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,912/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,406
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,746
−HK$3,395/mo
Today · 4.125%
HK$114,141
baseline
▲ 0.50% · 4.625%
HK$121,086
+HK$6,945/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,282/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,488
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$122,692
−HK$3,251/mo
Today · 4.125%
HK$125,943
baseline
▲ 0.50% · 4.625%
HK$132,582
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,886/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,140 · Scale 2, in force from 26 Feb 2026)