LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,697
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,554
−HK$1,887/mo
Today · 4.125%
HK$63,441
baseline
▲ 0.50% · 4.625%
HK$67,301
+HK$3,860/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,882/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,413
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,194
−HK$1,807/mo
Today · 4.125%
HK$70,001
baseline
▲ 0.50% · 4.625%
HK$73,691
+HK$3,690/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,002/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,637
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,865
−HK$2,264/mo
Today · 4.125%
HK$76,129
baseline
▲ 0.50% · 4.625%
HK$80,761
+HK$4,632/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,258/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,695
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,168/mo
Today · 4.125%
HK$84,001
baseline
▲ 0.50% · 4.625%
HK$88,429
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,002/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,576
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,176
−HK$2,641/mo
Today · 4.125%
HK$88,817
baseline
▲ 0.50% · 4.625%
HK$94,222
+HK$5,405/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$177,634/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,978
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,471
−HK$2,530/mo
Today · 4.125%
HK$98,001
baseline
▲ 0.50% · 4.625%
HK$103,167
+HK$5,166/mo
Deposit HK$7.85M · loan HK$18.33M · min. income ≈ HK$196,002/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,455
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$110,798
−HK$3,396/mo
Today · 4.125%
HK$114,194
baseline
▲ 0.50% · 4.625%
HK$121,142
+HK$6,948/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$228,388/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,543
−HK$6,459/mo
▼ 0.25% · 3.875%
HK$122,749
−HK$3,253/mo
Today · 4.125%
HK$126,002
baseline
▲ 0.50% · 4.625%
HK$132,643
+HK$6,641/mo
Deposit HK$2.62M · loan HK$23.56M · min. income ≈ HK$252,004/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,656 · Scale 2, in force from 26 Feb 2026)