LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,810
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,890/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,538
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,323
−HK$1,810/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$73,830
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,772
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,005
−HK$2,268/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,914
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,846
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,987
−HK$2,173/mo
Today · 4.125%
HK$84,160
baseline
▲ 0.50% · 4.625%
HK$88,596
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,320/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,646/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$94,400
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,153
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,534/mo
Today · 4.125%
HK$98,186
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,372/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,658
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,007
−HK$3,402/mo
Today · 4.125%
HK$114,409
baseline
▲ 0.50% · 4.625%
HK$121,371
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,818/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,769
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,981
−HK$3,258/mo
Today · 4.125%
HK$126,239
baseline
▲ 0.50% · 4.625%
HK$132,894
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,478/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,756 · Scale 2, in force from 26 Feb 2026)