LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,112
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,951
−HK$1,868/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,642
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,762
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,526
−HK$1,789/mo
Today · 4.125%
HK$69,315
baseline
▲ 0.50% · 4.625%
HK$72,969
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,630/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,935
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,141
−HK$2,242/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,970
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,914
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,031
−HK$2,147/mo
Today · 4.125%
HK$83,178
baseline
▲ 0.50% · 4.625%
HK$87,562
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,356/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,757
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,332
−HK$2,615/mo
Today · 4.125%
HK$87,947
baseline
▲ 0.50% · 4.625%
HK$93,298
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,894/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,067
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,536
−HK$2,505/mo
Today · 4.125%
HK$97,041
baseline
▲ 0.50% · 4.625%
HK$102,156
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,082/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,402
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,712
−HK$3,363/mo
Today · 4.125%
HK$113,075
baseline
▲ 0.50% · 4.625%
HK$119,955
+HK$6,880/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,150/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,372
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,546
−HK$3,221/mo
Today · 4.125%
HK$124,767
baseline
▲ 0.50% · 4.625%
HK$131,344
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,534/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,754 · Scale 2, in force from 26 Feb 2026)