LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,099
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,868/mo
Today · 4.125%
HK$62,805
baseline
▲ 0.50% · 4.625%
HK$66,626
+HK$3,821/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,610/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,747
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,510
−HK$1,789/mo
Today · 4.125%
HK$69,299
baseline
▲ 0.50% · 4.625%
HK$72,952
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,598/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,918
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,124
−HK$2,242/mo
Today · 4.125%
HK$75,366
baseline
▲ 0.50% · 4.625%
HK$79,951
+HK$4,585/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,732/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,896
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,012
−HK$2,147/mo
Today · 4.125%
HK$83,159
baseline
▲ 0.50% · 4.625%
HK$87,542
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,318/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,738
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,312
−HK$2,615/mo
Today · 4.125%
HK$87,927
baseline
▲ 0.50% · 4.625%
HK$93,277
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,854/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,045
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,514
−HK$2,504/mo
Today · 4.125%
HK$97,018
baseline
▲ 0.50% · 4.625%
HK$102,132
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,036/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,378
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$109,687
−HK$3,361/mo
Today · 4.125%
HK$113,048
baseline
▲ 0.50% · 4.625%
HK$119,927
+HK$6,879/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,096/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,344
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,518
−HK$3,220/mo
Today · 4.125%
HK$124,738
baseline
▲ 0.50% · 4.625%
HK$131,313
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,476/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,497 · Scale 2, in force from 26 Feb 2026)