LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,717
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,887/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$67,323
+HK$3,862/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,434
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,216
−HK$1,807/mo
Today · 4.125%
HK$70,023
baseline
▲ 0.50% · 4.625%
HK$73,714
+HK$3,691/mo
Deposit HK$13.09M · loan HK$13.09M · min. income ≈ HK$140,046/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,660
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,889
−HK$2,265/mo
Today · 4.125%
HK$76,154
baseline
▲ 0.50% · 4.625%
HK$80,787
+HK$4,633/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,308/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,721
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,859
−HK$2,169/mo
Today · 4.125%
HK$84,028
baseline
▲ 0.50% · 4.625%
HK$88,457
+HK$4,429/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,056/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,603
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,204
−HK$2,642/mo
Today · 4.125%
HK$88,846
baseline
▲ 0.50% · 4.625%
HK$94,252
+HK$5,406/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,692/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,008
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,502
−HK$2,531/mo
Today · 4.125%
HK$98,033
baseline
▲ 0.50% · 4.625%
HK$103,200
+HK$5,167/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,066/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,490
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$110,833
−HK$3,397/mo
Today · 4.125%
HK$114,230
baseline
▲ 0.50% · 4.625%
HK$121,181
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,460/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,581
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,788
−HK$3,254/mo
Today · 4.125%
HK$126,042
baseline
▲ 0.50% · 4.625%
HK$132,686
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,084/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,013 · Scale 2, in force from 26 Feb 2026)