LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,107
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,867/mo
Today · 4.125%
HK$62,813
baseline
▲ 0.50% · 4.625%
HK$66,636
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,626/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,756
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,519
−HK$1,789/mo
Today · 4.125%
HK$69,308
baseline
▲ 0.50% · 4.625%
HK$72,962
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,616/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,928
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$2,241/mo
Today · 4.125%
HK$75,376
baseline
▲ 0.50% · 4.625%
HK$79,963
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,752/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,023
−HK$2,147/mo
Today · 4.125%
HK$83,170
baseline
▲ 0.50% · 4.625%
HK$87,554
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,340/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,750
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,324
−HK$2,615/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$93,290
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,058
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,527
−HK$2,505/mo
Today · 4.125%
HK$97,032
baseline
▲ 0.50% · 4.625%
HK$102,147
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.14M · min. income ≈ HK$194,064/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,393
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,702
−HK$3,362/mo
Today · 4.125%
HK$113,064
baseline
▲ 0.50% · 4.625%
HK$119,944
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,128/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,361
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,535
−HK$3,220/mo
Today · 4.125%
HK$124,755
baseline
▲ 0.50% · 4.625%
HK$131,331
+HK$6,576/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,510/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,651 · Scale 2, in force from 26 Feb 2026)