LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,764
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,623
−HK$1,889/mo
Today · 4.125%
HK$63,512
baseline
▲ 0.50% · 4.625%
HK$67,376
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,024/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,487
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,270
−HK$1,809/mo
Today · 4.125%
HK$70,079
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,158/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,717
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,948
−HK$2,266/mo
Today · 4.125%
HK$76,214
baseline
▲ 0.50% · 4.625%
HK$80,851
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$152,428/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,784
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,924
−HK$2,171/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$88,527
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,669
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,272
−HK$2,644/mo
Today · 4.125%
HK$88,916
baseline
▲ 0.50% · 4.625%
HK$94,327
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,832/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,081
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,578
−HK$2,532/mo
Today · 4.125%
HK$98,110
baseline
▲ 0.50% · 4.625%
HK$103,282
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,220/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,575
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,921
−HK$3,400/mo
Today · 4.125%
HK$114,321
baseline
▲ 0.50% · 4.625%
HK$121,277
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,642/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,676
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,886
−HK$3,256/mo
Today · 4.125%
HK$126,142
baseline
▲ 0.50% · 4.625%
HK$132,791
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,284/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,896 · Scale 2, in force from 26 Feb 2026)