LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,098
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,936
−HK$1,868/mo
Today · 4.125%
HK$62,804
baseline
▲ 0.50% · 4.625%
HK$66,625
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,608/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,746
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,509
−HK$1,789/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$72,951
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,917
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,123
−HK$2,242/mo
Today · 4.125%
HK$75,365
baseline
▲ 0.50% · 4.625%
HK$79,950
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,730/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,895
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,011
−HK$2,146/mo
Today · 4.125%
HK$83,157
baseline
▲ 0.50% · 4.625%
HK$87,541
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,314/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,737
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,311
−HK$2,614/mo
Today · 4.125%
HK$87,925
baseline
▲ 0.50% · 4.625%
HK$93,275
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,850/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,044
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,513
−HK$2,504/mo
Today · 4.125%
HK$97,017
baseline
▲ 0.50% · 4.625%
HK$102,131
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,034/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,376
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,685
−HK$3,362/mo
Today · 4.125%
HK$113,047
baseline
▲ 0.50% · 4.625%
HK$119,925
+HK$6,878/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,094/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,342
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,516
−HK$3,220/mo
Today · 4.125%
HK$124,736
baseline
▲ 0.50% · 4.625%
HK$131,311
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,472/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,481 · Scale 2, in force from 26 Feb 2026)