LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,096
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,935
−HK$1,867/mo
Today · 4.125%
HK$62,802
baseline
▲ 0.50% · 4.625%
HK$66,624
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,604/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,744
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,507
−HK$1,789/mo
Today · 4.125%
HK$69,296
baseline
▲ 0.50% · 4.625%
HK$72,949
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,592/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,916
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,121
−HK$2,242/mo
Today · 4.125%
HK$75,363
baseline
▲ 0.50% · 4.625%
HK$79,948
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,726/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,893
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,009
−HK$2,146/mo
Today · 4.125%
HK$83,155
baseline
▲ 0.50% · 4.625%
HK$87,538
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,310/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,735
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,308
−HK$2,615/mo
Today · 4.125%
HK$87,923
baseline
▲ 0.50% · 4.625%
HK$93,273
+HK$5,350/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$175,846/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,042
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,510
−HK$2,504/mo
Today · 4.125%
HK$97,014
baseline
▲ 0.50% · 4.625%
HK$102,128
+HK$5,114/mo
Deposit HK$7.77M · loan HK$18.14M · min. income ≈ HK$194,028/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,373
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,682
−HK$3,362/mo
Today · 4.125%
HK$113,044
baseline
▲ 0.50% · 4.625%
HK$119,922
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$226,088/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,339
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,513
−HK$3,220/mo
Today · 4.125%
HK$124,733
baseline
▲ 0.50% · 4.625%
HK$131,308
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,466/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,453 · Scale 2, in force from 26 Feb 2026)