LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,094
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,932
−HK$1,867/mo
Today · 4.125%
HK$62,799
baseline
▲ 0.50% · 4.625%
HK$66,621
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,598/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,741
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,504
−HK$1,789/mo
Today · 4.125%
HK$69,293
baseline
▲ 0.50% · 4.625%
HK$72,945
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,586/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,912
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,118
−HK$2,241/mo
Today · 4.125%
HK$75,359
baseline
▲ 0.50% · 4.625%
HK$79,945
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,718/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,889
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,005
−HK$2,146/mo
Today · 4.125%
HK$83,151
baseline
▲ 0.50% · 4.625%
HK$87,535
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,302/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,731
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,305
−HK$2,614/mo
Today · 4.125%
HK$87,919
baseline
▲ 0.50% · 4.625%
HK$93,269
+HK$5,350/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,838/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,038
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,506
−HK$2,504/mo
Today · 4.125%
HK$97,010
baseline
▲ 0.50% · 4.625%
HK$102,124
+HK$5,114/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,020/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,369
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,677
−HK$3,362/mo
Today · 4.125%
HK$113,039
baseline
▲ 0.50% · 4.625%
HK$119,917
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,078/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,334
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$121,508
−HK$3,219/mo
Today · 4.125%
HK$124,727
baseline
▲ 0.50% · 4.625%
HK$131,302
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,454/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,403 · Scale 2, in force from 26 Feb 2026)