LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,689
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$61,546
−HK$1,886/mo
Today · 4.125%
HK$63,432
baseline
▲ 0.50% · 4.625%
HK$67,292
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,864/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,403
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,184
−HK$1,807/mo
Today · 4.125%
HK$69,991
baseline
▲ 0.50% · 4.625%
HK$73,680
+HK$3,689/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$139,982/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,627
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,855
−HK$2,263/mo
Today · 4.125%
HK$76,118
baseline
▲ 0.50% · 4.625%
HK$80,750
+HK$4,632/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,236/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,684
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,821
−HK$2,168/mo
Today · 4.125%
HK$83,989
baseline
▲ 0.50% · 4.625%
HK$88,416
+HK$4,427/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$167,978/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,564
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,164
−HK$2,641/mo
Today · 4.125%
HK$88,805
baseline
▲ 0.50% · 4.625%
HK$94,208
+HK$5,403/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$177,610/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,965
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,458
−HK$2,529/mo
Today · 4.125%
HK$97,987
baseline
▲ 0.50% · 4.625%
HK$103,152
+HK$5,165/mo
Deposit HK$7.85M · loan HK$18.32M · min. income ≈ HK$195,974/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,440
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,782
−HK$3,395/mo
Today · 4.125%
HK$114,177
baseline
▲ 0.50% · 4.625%
HK$121,125
+HK$6,948/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,354/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,526
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$122,731
−HK$3,252/mo
Today · 4.125%
HK$125,983
baseline
▲ 0.50% · 4.625%
HK$132,624
+HK$6,641/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$251,966/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,497 · Scale 2, in force from 26 Feb 2026)