LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,085
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,923
−HK$1,867/mo
Today · 4.125%
HK$62,790
baseline
▲ 0.50% · 4.625%
HK$66,611
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,580/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,732
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,495
−HK$1,788/mo
Today · 4.125%
HK$69,283
baseline
▲ 0.50% · 4.625%
HK$72,935
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,566/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,902
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,108
−HK$2,241/mo
Today · 4.125%
HK$75,349
baseline
▲ 0.50% · 4.625%
HK$79,933
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$150,698/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,878
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,994
−HK$2,146/mo
Today · 4.125%
HK$83,140
baseline
▲ 0.50% · 4.625%
HK$87,522
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.55M · min. income ≈ HK$166,280/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,719
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,293
−HK$2,614/mo
Today · 4.125%
HK$87,907
baseline
▲ 0.50% · 4.625%
HK$93,256
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,814/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,025
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,493
−HK$2,503/mo
Today · 4.125%
HK$96,996
baseline
▲ 0.50% · 4.625%
HK$102,109
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$193,992/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,354
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$109,662
−HK$3,361/mo
Today · 4.125%
HK$113,023
baseline
▲ 0.50% · 4.625%
HK$119,900
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,046/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,317
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,491
−HK$3,219/mo
Today · 4.125%
HK$124,710
baseline
▲ 0.50% · 4.625%
HK$131,283
+HK$6,573/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,420/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,248 · Scale 2, in force from 26 Feb 2026)