LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,740
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,598
−HK$1,888/mo
Today · 4.125%
HK$63,486
baseline
▲ 0.50% · 4.625%
HK$67,349
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,972/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,460
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,243
−HK$1,808/mo
Today · 4.125%
HK$70,051
baseline
▲ 0.50% · 4.625%
HK$73,743
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,102/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,688
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,918
−HK$2,265/mo
Today · 4.125%
HK$76,183
baseline
▲ 0.50% · 4.625%
HK$80,819
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,366/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,752
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,891
−HK$2,170/mo
Today · 4.125%
HK$84,061
baseline
▲ 0.50% · 4.625%
HK$88,492
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,122/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,636
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,237
−HK$2,644/mo
Today · 4.125%
HK$88,881
baseline
▲ 0.50% · 4.625%
HK$94,289
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,762/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,044
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,540
−HK$2,531/mo
Today · 4.125%
HK$98,071
baseline
▲ 0.50% · 4.625%
HK$103,240
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,142/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,532
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,877
−HK$3,398/mo
Today · 4.125%
HK$114,275
baseline
▲ 0.50% · 4.625%
HK$121,228
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,550/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,628
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,837
−HK$3,254/mo
Today · 4.125%
HK$126,091
baseline
▲ 0.50% · 4.625%
HK$132,738
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,182/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,449 · Scale 2, in force from 26 Feb 2026)