LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,084
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,922
−HK$1,867/mo
Today · 4.125%
HK$62,789
baseline
▲ 0.50% · 4.625%
HK$66,610
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,578/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,730
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,493
−HK$1,788/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$72,933
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,901
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,106
−HK$2,241/mo
Today · 4.125%
HK$75,347
baseline
▲ 0.50% · 4.625%
HK$79,931
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,694/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,876
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,992
−HK$2,146/mo
Today · 4.125%
HK$83,138
baseline
▲ 0.50% · 4.625%
HK$87,520
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,276/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,718
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,290
−HK$2,615/mo
Today · 4.125%
HK$87,905
baseline
▲ 0.50% · 4.625%
HK$93,253
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,810/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,022
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,490
−HK$2,504/mo
Today · 4.125%
HK$96,994
baseline
▲ 0.50% · 4.625%
HK$102,107
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,988/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,351
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,659
−HK$3,361/mo
Today · 4.125%
HK$113,020
baseline
▲ 0.50% · 4.625%
HK$119,897
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,040/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,315
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,488
−HK$3,219/mo
Today · 4.125%
HK$124,707
baseline
▲ 0.50% · 4.625%
HK$131,280
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,414/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,222 · Scale 2, in force from 26 Feb 2026)