LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,789
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,648
−HK$1,890/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$67,404
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,514
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,298
−HK$1,810/mo
Today · 4.125%
HK$70,108
baseline
▲ 0.50% · 4.625%
HK$73,803
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,216/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,746
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,978
−HK$2,267/mo
Today · 4.125%
HK$76,245
baseline
▲ 0.50% · 4.625%
HK$80,885
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,490/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,817
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,958
−HK$2,171/mo
Today · 4.125%
HK$84,129
baseline
▲ 0.50% · 4.625%
HK$88,564
+HK$4,435/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,258/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,704
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$86,308
−HK$2,645/mo
Today · 4.125%
HK$88,953
baseline
▲ 0.50% · 4.625%
HK$94,365
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,906/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,120
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,617
−HK$2,534/mo
Today · 4.125%
HK$98,151
baseline
▲ 0.50% · 4.625%
HK$103,324
+HK$5,173/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,302/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,619
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,967
−HK$3,401/mo
Today · 4.125%
HK$114,368
baseline
▲ 0.50% · 4.625%
HK$121,327
+HK$6,959/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,736/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,725
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,936
−HK$3,258/mo
Today · 4.125%
HK$126,194
baseline
▲ 0.50% · 4.625%
HK$132,846
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,388/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,354 · Scale 2, in force from 26 Feb 2026)