LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,087
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,925
−HK$1,868/mo
Today · 4.125%
HK$62,793
baseline
▲ 0.50% · 4.625%
HK$66,614
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,586/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,734
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,497
−HK$1,789/mo
Today · 4.125%
HK$69,286
baseline
▲ 0.50% · 4.625%
HK$72,938
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,572/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,905
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,111
−HK$2,240/mo
Today · 4.125%
HK$75,351
baseline
▲ 0.50% · 4.625%
HK$79,936
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,702/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,881
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,997
−HK$2,146/mo
Today · 4.125%
HK$83,143
baseline
▲ 0.50% · 4.625%
HK$87,525
+HK$4,382/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,286/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,722
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,296
−HK$2,614/mo
Today · 4.125%
HK$87,910
baseline
▲ 0.50% · 4.625%
HK$93,259
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,820/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,028
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,496
−HK$2,504/mo
Today · 4.125%
HK$97,000
baseline
▲ 0.50% · 4.625%
HK$102,113
+HK$5,113/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,000/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,357
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,666
−HK$3,361/mo
Today · 4.125%
HK$113,027
baseline
▲ 0.50% · 4.625%
HK$119,904
+HK$6,877/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,054/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,322
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$121,495
−HK$3,219/mo
Today · 4.125%
HK$124,714
baseline
▲ 0.50% · 4.625%
HK$131,288
+HK$6,574/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,428/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,288 · Scale 2, in force from 26 Feb 2026)