LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,736
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,888/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$67,345
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,456
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,238
−HK$1,808/mo
Today · 4.125%
HK$70,046
baseline
▲ 0.50% · 4.625%
HK$73,738
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,092/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$2,266/mo
Today · 4.125%
HK$76,179
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,358/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,886
−HK$2,169/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,232
−HK$2,643/mo
Today · 4.125%
HK$88,875
baseline
▲ 0.50% · 4.625%
HK$94,283
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,750/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,038
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,533
−HK$2,532/mo
Today · 4.125%
HK$98,065
baseline
▲ 0.50% · 4.625%
HK$103,234
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,130/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,525
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,870
−HK$3,398/mo
Today · 4.125%
HK$114,268
baseline
▲ 0.50% · 4.625%
HK$121,221
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,536/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,621
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,829
−HK$3,254/mo
Today · 4.125%
HK$126,083
baseline
▲ 0.50% · 4.625%
HK$132,729
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,166/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,378 · Scale 2, in force from 26 Feb 2026)