LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,714
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,571
−HK$1,888/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$67,320
+HK$3,861/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,431
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,213
−HK$1,807/mo
Today · 4.125%
HK$70,020
baseline
▲ 0.50% · 4.625%
HK$73,711
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,040/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,657
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,886
−HK$2,264/mo
Today · 4.125%
HK$76,150
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,634/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$152,300/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,717
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,855
−HK$2,169/mo
Today · 4.125%
HK$84,024
baseline
▲ 0.50% · 4.625%
HK$88,453
+HK$4,429/mo
Deposit HK$10.47M · loan HK$15.71M · min. income ≈ HK$168,048/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,600
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,200
−HK$2,642/mo
Today · 4.125%
HK$88,842
baseline
▲ 0.50% · 4.625%
HK$94,248
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,684/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,004
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,498
−HK$2,530/mo
Today · 4.125%
HK$98,028
baseline
▲ 0.50% · 4.625%
HK$103,196
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,056/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,485
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,829
−HK$3,396/mo
Today · 4.125%
HK$114,225
baseline
▲ 0.50% · 4.625%
HK$121,176
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,450/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,576
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,783
−HK$3,253/mo
Today · 4.125%
HK$126,036
baseline
▲ 0.50% · 4.625%
HK$132,680
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,072/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,964 · Scale 2, in force from 26 Feb 2026)