LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,101
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,868/mo
Today · 4.125%
HK$62,807
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,614/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,749
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,513
−HK$1,789/mo
Today · 4.125%
HK$69,302
baseline
▲ 0.50% · 4.625%
HK$72,954
+HK$3,652/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,604/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,921
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,127
−HK$2,242/mo
Today · 4.125%
HK$75,369
baseline
▲ 0.50% · 4.625%
HK$79,955
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,738/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,899
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,015
−HK$2,147/mo
Today · 4.125%
HK$83,162
baseline
▲ 0.50% · 4.625%
HK$87,545
+HK$4,383/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,324/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,741
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,315
−HK$2,615/mo
Today · 4.125%
HK$87,930
baseline
▲ 0.50% · 4.625%
HK$93,280
+HK$5,350/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,860/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,049
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,518
−HK$2,504/mo
Today · 4.125%
HK$97,022
baseline
▲ 0.50% · 4.625%
HK$102,136
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,044/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,382
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,691
−HK$3,362/mo
Today · 4.125%
HK$113,053
baseline
▲ 0.50% · 4.625%
HK$119,932
+HK$6,879/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,106/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,349
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,523
−HK$3,220/mo
Today · 4.125%
HK$124,743
baseline
▲ 0.50% · 4.625%
HK$131,318
+HK$6,575/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,486/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,540 · Scale 2, in force from 26 Feb 2026)