LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,772
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,631
−HK$1,889/mo
Today · 4.125%
HK$63,520
baseline
▲ 0.50% · 4.625%
HK$67,385
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,040/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,495
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$1,809/mo
Today · 4.125%
HK$70,088
baseline
▲ 0.50% · 4.625%
HK$73,782
+HK$3,694/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,176/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,726
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,957
−HK$2,267/mo
Today · 4.125%
HK$76,224
baseline
▲ 0.50% · 4.625%
HK$80,862
+HK$4,638/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,448/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,794
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,934
−HK$2,171/mo
Today · 4.125%
HK$84,105
baseline
▲ 0.50% · 4.625%
HK$88,539
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,210/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,680
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,283
−HK$2,645/mo
Today · 4.125%
HK$88,928
baseline
▲ 0.50% · 4.625%
HK$94,339
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,856/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,093
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,590
−HK$2,533/mo
Today · 4.125%
HK$98,123
baseline
▲ 0.50% · 4.625%
HK$103,295
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,246/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,589
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,936
−HK$3,400/mo
Today · 4.125%
HK$114,336
baseline
▲ 0.50% · 4.625%
HK$121,293
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,672/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,692
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,902
−HK$3,256/mo
Today · 4.125%
HK$126,158
baseline
▲ 0.50% · 4.625%
HK$132,808
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,316/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,039 · Scale 2, in force from 26 Feb 2026)