LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,715
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,573
−HK$1,887/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,862/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,433
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,215
−HK$1,807/mo
Today · 4.125%
HK$70,022
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,044/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,659
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,888
−HK$2,264/mo
Today · 4.125%
HK$76,152
baseline
▲ 0.50% · 4.625%
HK$80,786
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,304/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,719
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,857
−HK$2,169/mo
Today · 4.125%
HK$84,026
baseline
▲ 0.50% · 4.625%
HK$88,456
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,052/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,602
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$86,202
−HK$2,642/mo
Today · 4.125%
HK$88,844
baseline
▲ 0.50% · 4.625%
HK$94,250
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,688/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,006
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,500
−HK$2,531/mo
Today · 4.125%
HK$98,031
baseline
▲ 0.50% · 4.625%
HK$103,198
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,062/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,488
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$3,397/mo
Today · 4.125%
HK$114,228
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,456/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,579
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,786
−HK$3,254/mo
Today · 4.125%
HK$126,040
baseline
▲ 0.50% · 4.625%
HK$132,683
+HK$6,643/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,080/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,112,992 · Scale 2, in force from 26 Feb 2026)