LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,715
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,572
−HK$1,887/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,862/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$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,432
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,214
−HK$1,807/mo
Today · 4.125%
HK$70,021
baseline
▲ 0.50% · 4.625%
HK$73,712
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,042/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,658
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,887
−HK$2,264/mo
Today · 4.125%
HK$76,151
baseline
▲ 0.50% · 4.625%
HK$80,785
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,302/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,718
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,856
−HK$2,169/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$88,454
+HK$4,429/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,601
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,201
−HK$2,642/mo
Today · 4.125%
HK$88,843
baseline
▲ 0.50% · 4.625%
HK$94,249
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,686/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,005
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,499
−HK$2,531/mo
Today · 4.125%
HK$98,030
baseline
▲ 0.50% · 4.625%
HK$103,197
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,060/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,486
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,830
−HK$3,397/mo
Today · 4.125%
HK$114,227
baseline
▲ 0.50% · 4.625%
HK$121,177
+HK$6,950/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,454/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,578
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$122,785
−HK$3,253/mo
Today · 4.125%
HK$126,038
baseline
▲ 0.50% · 4.625%
HK$132,682
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,076/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,978 · Scale 2, in force from 26 Feb 2026)