LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,118
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,869/mo
Today · 4.125%
HK$62,825
baseline
▲ 0.50% · 4.625%
HK$66,648
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,650/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,768
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,532
−HK$1,789/mo
Today · 4.125%
HK$69,321
baseline
▲ 0.50% · 4.625%
HK$72,975
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,642/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,941
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,148
−HK$2,242/mo
Today · 4.125%
HK$75,390
baseline
▲ 0.50% · 4.625%
HK$79,977
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,780/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,921
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,038
−HK$2,147/mo
Today · 4.125%
HK$83,185
baseline
▲ 0.50% · 4.625%
HK$87,570
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,370/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,765
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,339
−HK$2,616/mo
Today · 4.125%
HK$87,955
baseline
▲ 0.50% · 4.625%
HK$93,307
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,910/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,075
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,544
−HK$2,505/mo
Today · 4.125%
HK$97,049
baseline
▲ 0.50% · 4.625%
HK$102,165
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,098/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,412
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,722
−HK$3,363/mo
Today · 4.125%
HK$113,085
baseline
▲ 0.50% · 4.625%
HK$119,966
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,170/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,382
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,557
−HK$3,221/mo
Today · 4.125%
HK$124,778
baseline
▲ 0.50% · 4.625%
HK$131,355
+HK$6,577/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,556/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,849 · Scale 2, in force from 26 Feb 2026)