LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,708
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,565
−HK$1,887/mo
Today · 4.125%
HK$63,452
baseline
▲ 0.50% · 4.625%
HK$67,313
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,904/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,425
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,206
−HK$1,807/mo
Today · 4.125%
HK$70,013
baseline
▲ 0.50% · 4.625%
HK$73,704
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,026/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,650
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,878
−HK$2,265/mo
Today · 4.125%
HK$76,143
baseline
▲ 0.50% · 4.625%
HK$80,776
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,286/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,709
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,847
−HK$2,169/mo
Today · 4.125%
HK$84,016
baseline
▲ 0.50% · 4.625%
HK$88,444
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,032/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,591
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,191
−HK$2,642/mo
Today · 4.125%
HK$88,833
baseline
▲ 0.50% · 4.625%
HK$94,238
+HK$5,405/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,666/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,994
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,488
−HK$2,531/mo
Today · 4.125%
HK$98,019
baseline
▲ 0.50% · 4.625%
HK$103,185
+HK$5,166/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,038/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,474
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,817
−HK$3,397/mo
Today · 4.125%
HK$114,214
baseline
▲ 0.50% · 4.625%
HK$121,164
+HK$6,950/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,428/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,564
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,771
−HK$3,253/mo
Today · 4.125%
HK$126,024
baseline
▲ 0.50% · 4.625%
HK$132,667
+HK$6,643/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,048/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,853 · Scale 2, in force from 26 Feb 2026)