LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,108
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,868/mo
Today · 4.125%
HK$62,814
baseline
▲ 0.50% · 4.625%
HK$66,636
+HK$3,822/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,628/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,757
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$67,520
−HK$1,789/mo
Today · 4.125%
HK$69,309
baseline
▲ 0.50% · 4.625%
HK$72,963
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,618/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,929
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$2,242/mo
Today · 4.125%
HK$75,377
baseline
▲ 0.50% · 4.625%
HK$79,963
+HK$4,586/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,754/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,908
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,024
−HK$2,147/mo
Today · 4.125%
HK$83,171
baseline
▲ 0.50% · 4.625%
HK$87,555
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,342/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,751
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,325
−HK$2,615/mo
Today · 4.125%
HK$87,940
baseline
▲ 0.50% · 4.625%
HK$93,291
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,880/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,059
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,528
−HK$2,505/mo
Today · 4.125%
HK$97,033
baseline
▲ 0.50% · 4.625%
HK$102,148
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,066/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,394
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,703
−HK$3,362/mo
Today · 4.125%
HK$113,065
baseline
▲ 0.50% · 4.625%
HK$119,945
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,130/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,362
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,536
−HK$3,220/mo
Today · 4.125%
HK$124,756
baseline
▲ 0.50% · 4.625%
HK$131,333
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,512/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,662 · Scale 2, in force from 26 Feb 2026)