LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,079
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,867/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,604
+HK$3,821/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,724
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,487
−HK$1,788/mo
Today · 4.125%
HK$69,275
baseline
▲ 0.50% · 4.625%
HK$72,927
+HK$3,652/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,550/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,894
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$2,240/mo
Today · 4.125%
HK$75,340
baseline
▲ 0.50% · 4.625%
HK$79,924
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,680/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,869
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,985
−HK$2,145/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,710
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,283
−HK$2,614/mo
Today · 4.125%
HK$87,897
baseline
▲ 0.50% · 4.625%
HK$93,245
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,794/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,014
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,482
−HK$2,504/mo
Today · 4.125%
HK$96,986
baseline
▲ 0.50% · 4.625%
HK$102,098
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,972/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,342
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,650
−HK$3,360/mo
Today · 4.125%
HK$113,010
baseline
▲ 0.50% · 4.625%
HK$119,887
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,020/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,304
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,477
−HK$3,219/mo
Today · 4.125%
HK$124,696
baseline
▲ 0.50% · 4.625%
HK$131,269
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,392/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,125 · Scale 2, in force from 26 Feb 2026)