LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,101
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,940
−HK$1,867/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$1,101,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,750
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,513
−HK$1,789/mo
Today · 4.125%
HK$69,302
baseline
▲ 0.50% · 4.625%
HK$72,955
+HK$3,653/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$1,101,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,922
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,128
−HK$2,241/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$1,101,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,900
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,016
−HK$2,146/mo
Today · 4.125%
HK$83,162
baseline
▲ 0.50% · 4.625%
HK$87,546
+HK$4,384/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$1,101,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,742
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,316
−HK$2,614/mo
Today · 4.125%
HK$87,930
baseline
▲ 0.50% · 4.625%
HK$93,281
+HK$5,351/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$1,101,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,049
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,518
−HK$2,505/mo
Today · 4.125%
HK$97,023
baseline
▲ 0.50% · 4.625%
HK$102,137
+HK$5,114/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,046/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,546 · 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$119,933
+HK$6,880/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$1,101,546 · 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$131,319
+HK$6,576/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$1,101,546 · Scale 2, in force from 26 Feb 2026)