LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,093
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,867/mo
Today · 4.125%
HK$62,798
baseline
▲ 0.50% · 4.625%
HK$66,619
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,596/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,740
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$1,789/mo
Today · 4.125%
HK$69,292
baseline
▲ 0.50% · 4.625%
HK$72,944
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,584/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,911
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$2,241/mo
Today · 4.125%
HK$75,358
baseline
▲ 0.50% · 4.625%
HK$79,943
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,716/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,888
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,146/mo
Today · 4.125%
HK$83,150
baseline
▲ 0.50% · 4.625%
HK$87,533
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,300/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,730
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,303
−HK$2,615/mo
Today · 4.125%
HK$87,918
baseline
▲ 0.50% · 4.625%
HK$93,267
+HK$5,349/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,836/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,036
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,504
−HK$2,504/mo
Today · 4.125%
HK$97,008
baseline
▲ 0.50% · 4.625%
HK$102,122
+HK$5,114/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,016/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,367
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,675
−HK$3,362/mo
Today · 4.125%
HK$113,037
baseline
▲ 0.50% · 4.625%
HK$119,915
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,074/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,332
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,506
−HK$3,219/mo
Today · 4.125%
HK$124,725
baseline
▲ 0.50% · 4.625%
HK$131,300
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,450/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,385 · Scale 2, in force from 26 Feb 2026)