LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,114
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,953
−HK$1,868/mo
Today · 4.125%
HK$62,821
baseline
▲ 0.50% · 4.625%
HK$66,644
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,642/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,764
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,528
−HK$1,789/mo
Today · 4.125%
HK$69,317
baseline
▲ 0.50% · 4.625%
HK$72,971
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,634/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,937
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$2,241/mo
Today · 4.125%
HK$75,385
baseline
▲ 0.50% · 4.625%
HK$79,972
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$150,770/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,917
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,033
−HK$2,147/mo
Today · 4.125%
HK$83,180
baseline
▲ 0.50% · 4.625%
HK$87,565
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.55M · min. income ≈ HK$166,360/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,760
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,334
−HK$2,616/mo
Today · 4.125%
HK$87,950
baseline
▲ 0.50% · 4.625%
HK$93,301
+HK$5,351/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,900/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,070
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,539
−HK$2,505/mo
Today · 4.125%
HK$97,044
baseline
▲ 0.50% · 4.625%
HK$102,159
+HK$5,115/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,088/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,406
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$109,715
−HK$3,363/mo
Today · 4.125%
HK$113,078
baseline
▲ 0.50% · 4.625%
HK$119,959
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,156/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,375
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,550
−HK$3,221/mo
Today · 4.125%
HK$124,771
baseline
▲ 0.50% · 4.625%
HK$131,347
+HK$6,576/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,542/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,786 · Scale 2, in force from 26 Feb 2026)