LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,712
−HK$3,744/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$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,429
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,210
−HK$1,808/mo
Today · 4.125%
HK$70,018
baseline
▲ 0.50% · 4.625%
HK$73,709
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,036/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,654
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,883
−HK$2,265/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,781
+HK$4,633/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,715
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,853
−HK$2,168/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$88,450
+HK$4,429/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,597
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,197
−HK$2,642/mo
Today · 4.125%
HK$88,839
baseline
▲ 0.50% · 4.625%
HK$94,244
+HK$5,405/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,678/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,000
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,495
−HK$2,530/mo
Today · 4.125%
HK$98,025
baseline
▲ 0.50% · 4.625%
HK$103,192
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,050/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,481
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,825
−HK$3,396/mo
Today · 4.125%
HK$114,221
baseline
▲ 0.50% · 4.625%
HK$121,171
+HK$6,950/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,442/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,572
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,779
−HK$3,253/mo
Today · 4.125%
HK$126,032
baseline
▲ 0.50% · 4.625%
HK$132,675
+HK$6,643/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,064/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,925 · Scale 2, in force from 26 Feb 2026)