LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,711
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,569
−HK$1,887/mo
Today · 4.125%
HK$63,456
baseline
▲ 0.50% · 4.625%
HK$67,317
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,912/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,428
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$1,807/mo
Today · 4.125%
HK$70,017
baseline
▲ 0.50% · 4.625%
HK$73,708
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,034/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,654
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,882
−HK$2,265/mo
Today · 4.125%
HK$76,147
baseline
▲ 0.50% · 4.625%
HK$80,780
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,294/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,714
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,168/mo
Today · 4.125%
HK$84,020
baseline
▲ 0.50% · 4.625%
HK$88,449
+HK$4,429/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$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,596
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,196
−HK$2,642/mo
Today · 4.125%
HK$88,838
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,676/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,999
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,494
−HK$2,530/mo
Today · 4.125%
HK$98,024
baseline
▲ 0.50% · 4.625%
HK$103,191
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,048/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,480
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,824
−HK$3,396/mo
Today · 4.125%
HK$114,220
baseline
▲ 0.50% · 4.625%
HK$121,170
+HK$6,950/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,440/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,571
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,778
−HK$3,253/mo
Today · 4.125%
HK$126,031
baseline
▲ 0.50% · 4.625%
HK$132,674
+HK$6,643/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,062/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,914 · Scale 2, in force from 26 Feb 2026)