LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,919
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,783
−HK$1,894/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,551
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,659
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,447
−HK$1,814/mo
Today · 4.125%
HK$70,261
baseline
▲ 0.50% · 4.625%
HK$73,964
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,522/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,903
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,140
−HK$2,272/mo
Today · 4.125%
HK$76,412
baseline
▲ 0.50% · 4.625%
HK$81,061
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,824/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,991
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,137
−HK$2,176/mo
Today · 4.125%
HK$84,313
baseline
▲ 0.50% · 4.625%
HK$88,757
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,626/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,887
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,496
−HK$2,651/mo
Today · 4.125%
HK$89,147
baseline
▲ 0.50% · 4.625%
HK$94,572
+HK$5,425/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,294/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,323
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,826
−HK$2,539/mo
Today · 4.125%
HK$98,365
baseline
▲ 0.50% · 4.625%
HK$103,550
+HK$5,185/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,730/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,854
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,209
−HK$3,409/mo
Today · 4.125%
HK$114,618
baseline
▲ 0.50% · 4.625%
HK$121,592
+HK$6,974/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,236/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,987
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,205
−HK$3,264/mo
Today · 4.125%
HK$126,469
baseline
▲ 0.50% · 4.625%
HK$133,136
+HK$6,667/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,938/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,788 · Scale 2, in force from 26 Feb 2026)