LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,080
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,918
−HK$1,867/mo
Today · 4.125%
HK$62,785
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,570/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,726
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,489
−HK$1,788/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$72,929
+HK$3,652/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,896
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,102
−HK$2,240/mo
Today · 4.125%
HK$75,342
baseline
▲ 0.50% · 4.625%
HK$79,927
+HK$4,585/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,684/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,871
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,987
−HK$2,146/mo
Today · 4.125%
HK$83,133
baseline
▲ 0.50% · 4.625%
HK$87,515
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,266/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,712
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,285
−HK$2,614/mo
Today · 4.125%
HK$87,899
baseline
▲ 0.50% · 4.625%
HK$93,248
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,798/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,017
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,484
−HK$2,504/mo
Today · 4.125%
HK$96,988
baseline
▲ 0.50% · 4.625%
HK$102,100
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,976/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,344
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,652
−HK$3,361/mo
Today · 4.125%
HK$113,013
baseline
▲ 0.50% · 4.625%
HK$119,890
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,026/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,307
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,480
−HK$3,219/mo
Today · 4.125%
HK$124,699
baseline
▲ 0.50% · 4.625%
HK$131,272
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,398/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,153 · Scale 2, in force from 26 Feb 2026)