LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,111
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,868/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,640
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,760
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$1,789/mo
Today · 4.125%
HK$69,313
baseline
▲ 0.50% · 4.625%
HK$72,966
+HK$3,653/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,626/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,933
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,139
−HK$2,242/mo
Today · 4.125%
HK$75,381
baseline
▲ 0.50% · 4.625%
HK$79,968
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,762/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,912
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,147/mo
Today · 4.125%
HK$83,175
baseline
▲ 0.50% · 4.625%
HK$87,560
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,350/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,755
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,329
−HK$2,615/mo
Today · 4.125%
HK$87,944
baseline
▲ 0.50% · 4.625%
HK$93,296
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,888/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,064
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,533
−HK$2,505/mo
Today · 4.125%
HK$97,038
baseline
▲ 0.50% · 4.625%
HK$102,153
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,076/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,399
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,709
−HK$3,362/mo
Today · 4.125%
HK$113,071
baseline
▲ 0.50% · 4.625%
HK$119,952
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,142/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,368
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,543
−HK$3,220/mo
Today · 4.125%
HK$124,763
baseline
▲ 0.50% · 4.625%
HK$131,340
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,526/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,721 · Scale 2, in force from 26 Feb 2026)