LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,673
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,886/mo
Today · 4.125%
HK$63,415
baseline
▲ 0.50% · 4.625%
HK$67,274
+HK$3,859/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$126,830/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,386
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$68,166
−HK$1,806/mo
Today · 4.125%
HK$69,972
baseline
▲ 0.50% · 4.625%
HK$73,661
+HK$3,689/mo
Deposit HK$13.08M · loan HK$13.08M · min. income ≈ HK$139,944/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,608
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,835
−HK$2,263/mo
Today · 4.125%
HK$76,098
baseline
▲ 0.50% · 4.625%
HK$80,729
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,196/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,663
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,799
−HK$2,168/mo
Today · 4.125%
HK$83,967
baseline
▲ 0.50% · 4.625%
HK$88,393
+HK$4,426/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,934/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,542
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,141
−HK$2,640/mo
Today · 4.125%
HK$88,781
baseline
▲ 0.50% · 4.625%
HK$94,183
+HK$5,402/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,562/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,940
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,433
−HK$2,528/mo
Today · 4.125%
HK$97,961
baseline
▲ 0.50% · 4.625%
HK$103,125
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,922/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,412
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$110,753
−HK$3,394/mo
Today · 4.125%
HK$114,147
baseline
▲ 0.50% · 4.625%
HK$121,093
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$228,294/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,494
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$122,699
−HK$3,251/mo
Today · 4.125%
HK$125,950
baseline
▲ 0.50% · 4.625%
HK$132,589
+HK$6,639/mo
Deposit HK$2.62M · loan HK$23.55M · min. income ≈ HK$251,900/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,204 · Scale 2, in force from 26 Feb 2026)