LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,681
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,538
−HK$1,886/mo
Today · 4.125%
HK$63,424
baseline
▲ 0.50% · 4.625%
HK$67,283
+HK$3,859/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,848/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,395
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,175
−HK$1,807/mo
Today · 4.125%
HK$69,982
baseline
▲ 0.50% · 4.625%
HK$73,671
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,964/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,617
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,845
−HK$2,263/mo
Today · 4.125%
HK$76,108
baseline
▲ 0.50% · 4.625%
HK$80,739
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,216/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,674
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,810
−HK$2,168/mo
Today · 4.125%
HK$83,978
baseline
▲ 0.50% · 4.625%
HK$88,405
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,956/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,153
−HK$2,640/mo
Today · 4.125%
HK$88,793
baseline
▲ 0.50% · 4.625%
HK$94,196
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,586/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,953
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,445
−HK$2,529/mo
Today · 4.125%
HK$97,974
baseline
▲ 0.50% · 4.625%
HK$103,139
+HK$5,165/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,948/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,426
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,768
−HK$3,395/mo
Today · 4.125%
HK$114,163
baseline
▲ 0.50% · 4.625%
HK$121,109
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,326/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,510
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,716
−HK$3,251/mo
Today · 4.125%
HK$125,967
baseline
▲ 0.50% · 4.625%
HK$132,607
+HK$6,640/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,934/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,353 · Scale 2, in force from 26 Feb 2026)