LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,791
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,651
−HK$1,889/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,517
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,301
−HK$1,810/mo
Today · 4.125%
HK$70,111
baseline
▲ 0.50% · 4.625%
HK$73,806
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,222/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,749
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,981
−HK$2,268/mo
Today · 4.125%
HK$76,249
baseline
▲ 0.50% · 4.625%
HK$80,888
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,498/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,820
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,961
−HK$2,172/mo
Today · 4.125%
HK$84,133
baseline
▲ 0.50% · 4.625%
HK$88,568
+HK$4,435/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,266/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,707
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,311
−HK$2,646/mo
Today · 4.125%
HK$88,957
baseline
▲ 0.50% · 4.625%
HK$94,369
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,914/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,124
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,621
−HK$2,534/mo
Today · 4.125%
HK$98,155
baseline
▲ 0.50% · 4.625%
HK$103,329
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,310/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,624
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,972
−HK$3,401/mo
Today · 4.125%
HK$114,373
baseline
▲ 0.50% · 4.625%
HK$121,332
+HK$6,959/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,746/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,730
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,942
−HK$3,257/mo
Today · 4.125%
HK$126,199
baseline
▲ 0.50% · 4.625%
HK$132,851
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,398/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,401 · Scale 2, in force from 26 Feb 2026)