LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,773
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,633
−HK$1,889/mo
Today · 4.125%
HK$63,522
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,044/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,497
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,281
−HK$1,809/mo
Today · 4.125%
HK$70,090
baseline
▲ 0.50% · 4.625%
HK$73,784
+HK$3,694/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,180/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,959
−HK$2,267/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,864
+HK$4,638/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,452/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,797
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,171/mo
Today · 4.125%
HK$84,108
baseline
▲ 0.50% · 4.625%
HK$88,541
+HK$4,433/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,216/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,683
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,286
−HK$2,644/mo
Today · 4.125%
HK$88,930
baseline
▲ 0.50% · 4.625%
HK$94,342
+HK$5,412/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,860/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,096
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,593
−HK$2,533/mo
Today · 4.125%
HK$98,126
baseline
▲ 0.50% · 4.625%
HK$103,298
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,252/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,592
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,939
−HK$3,400/mo
Today · 4.125%
HK$114,339
baseline
▲ 0.50% · 4.625%
HK$121,296
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,678/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,695
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,905
−HK$3,257/mo
Today · 4.125%
HK$126,162
baseline
▲ 0.50% · 4.625%
HK$132,812
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,324/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,072 · Scale 2, in force from 26 Feb 2026)