LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,711
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,568
−HK$1,887/mo
Today · 4.125%
HK$63,455
baseline
▲ 0.50% · 4.625%
HK$67,316
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,910/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,427
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,209
−HK$1,807/mo
Today · 4.125%
HK$70,016
baseline
▲ 0.50% · 4.625%
HK$73,707
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,032/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,653
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,882
−HK$2,264/mo
Today · 4.125%
HK$76,146
baseline
▲ 0.50% · 4.625%
HK$80,779
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,292/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,713
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,851
−HK$2,169/mo
Today · 4.125%
HK$84,020
baseline
▲ 0.50% · 4.625%
HK$88,448
+HK$4,428/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,040/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,595
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,195
−HK$2,642/mo
Today · 4.125%
HK$88,837
baseline
▲ 0.50% · 4.625%
HK$94,243
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,674/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,998
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,493
−HK$2,530/mo
Today · 4.125%
HK$98,023
baseline
▲ 0.50% · 4.625%
HK$103,190
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,046/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,479
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,822
−HK$3,397/mo
Today · 4.125%
HK$114,219
baseline
▲ 0.50% · 4.625%
HK$121,169
+HK$6,950/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,438/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,569
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,776
−HK$3,253/mo
Today · 4.125%
HK$126,029
baseline
▲ 0.50% · 4.625%
HK$132,673
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,058/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,902 · Scale 2, in force from 26 Feb 2026)