LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,113
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,952
−HK$1,868/mo
Today · 4.125%
HK$62,820
baseline
▲ 0.50% · 4.625%
HK$66,643
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,640/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,763
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,527
−HK$1,789/mo
Today · 4.125%
HK$69,316
baseline
▲ 0.50% · 4.625%
HK$72,970
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,632/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,936
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,142
−HK$2,242/mo
Today · 4.125%
HK$75,384
baseline
▲ 0.50% · 4.625%
HK$79,971
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,768/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,915
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,032
−HK$2,147/mo
Today · 4.125%
HK$83,179
baseline
▲ 0.50% · 4.625%
HK$87,563
+HK$4,384/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,358/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,758
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,333
−HK$2,615/mo
Today · 4.125%
HK$87,948
baseline
▲ 0.50% · 4.625%
HK$93,300
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,896/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,068
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,537
−HK$2,505/mo
Today · 4.125%
HK$97,042
baseline
▲ 0.50% · 4.625%
HK$102,157
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,084/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,404
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,714
−HK$3,362/mo
Today · 4.125%
HK$113,076
baseline
▲ 0.50% · 4.625%
HK$119,957
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,152/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,373
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$121,548
−HK$3,220/mo
Today · 4.125%
HK$124,768
baseline
▲ 0.50% · 4.625%
HK$131,345
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,536/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,767 · Scale 2, in force from 26 Feb 2026)