LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,720
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,887/mo
Today · 4.125%
HK$63,465
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,930/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,220
−HK$1,808/mo
Today · 4.125%
HK$70,028
baseline
▲ 0.50% · 4.625%
HK$73,719
+HK$3,691/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,056/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,664
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,894
−HK$2,264/mo
Today · 4.125%
HK$76,158
baseline
▲ 0.50% · 4.625%
HK$80,792
+HK$4,634/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$152,316/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,726
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,864
−HK$2,169/mo
Today · 4.125%
HK$84,033
baseline
▲ 0.50% · 4.625%
HK$88,463
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.71M · min. income ≈ HK$168,066/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,608
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,209
−HK$2,642/mo
Today · 4.125%
HK$88,851
baseline
▲ 0.50% · 4.625%
HK$94,258
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,702/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,014
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,508
−HK$2,531/mo
Today · 4.125%
HK$98,039
baseline
▲ 0.50% · 4.625%
HK$103,207
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,078/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,497
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,840
−HK$3,398/mo
Today · 4.125%
HK$114,238
baseline
▲ 0.50% · 4.625%
HK$121,189
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,476/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,589
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,796
−HK$3,254/mo
Today · 4.125%
HK$126,050
baseline
▲ 0.50% · 4.625%
HK$132,694
+HK$6,644/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,100/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,083 · Scale 2, in force from 26 Feb 2026)