LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,684
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,886/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,178
−HK$1,807/mo
Today · 4.125%
HK$69,985
baseline
▲ 0.50% · 4.625%
HK$73,674
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,970/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,620
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,848
−HK$2,264/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,743
+HK$4,631/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$152,224/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,677
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,814
−HK$2,168/mo
Today · 4.125%
HK$83,982
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.70M · min. income ≈ HK$167,964/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,557
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,156
−HK$2,641/mo
Today · 4.125%
HK$88,797
baseline
▲ 0.50% · 4.625%
HK$94,200
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,594/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,957
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,450
−HK$2,529/mo
Today · 4.125%
HK$97,979
baseline
▲ 0.50% · 4.625%
HK$103,143
+HK$5,164/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,958/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,431
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,772
−HK$3,396/mo
Today · 4.125%
HK$114,168
baseline
▲ 0.50% · 4.625%
HK$121,114
+HK$6,946/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,336/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,516
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,721
−HK$3,252/mo
Today · 4.125%
HK$125,973
baseline
▲ 0.50% · 4.625%
HK$132,613
+HK$6,640/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,946/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,401 · Scale 2, in force from 26 Feb 2026)