LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,684
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,541
−HK$1,886/mo
Today · 4.125%
HK$63,427
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,859/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,854/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,398
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$68,179
−HK$1,806/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$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,621
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,849
−HK$2,263/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,632/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$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,678
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,167/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$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,558
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,157
−HK$2,641/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$94,201
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$8.96M (deposit + AVD stamp duty HK$1,112,409 · 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$103,144
+HK$5,165/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$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,432
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$110,773
−HK$3,395/mo
Today · 4.125%
HK$114,168
baseline
▲ 0.50% · 4.625%
HK$121,115
+HK$6,947/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$1,112,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,516
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,722
−HK$3,252/mo
Today · 4.125%
HK$125,974
baseline
▲ 0.50% · 4.625%
HK$132,614
+HK$6,640/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,948/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,409 · Scale 2, in force from 26 Feb 2026)