LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,122
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,961
−HK$1,868/mo
Today · 4.125%
HK$62,829
baseline
▲ 0.50% · 4.625%
HK$66,652
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,658/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,537
−HK$1,789/mo
Today · 4.125%
HK$69,326
baseline
▲ 0.50% · 4.625%
HK$72,980
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,652/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,946
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,153
−HK$2,242/mo
Today · 4.125%
HK$75,395
baseline
▲ 0.50% · 4.625%
HK$79,983
+HK$4,588/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,790/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,927
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,044
−HK$2,147/mo
Today · 4.125%
HK$83,191
baseline
▲ 0.50% · 4.625%
HK$87,576
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,382/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,771
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,345
−HK$2,616/mo
Today · 4.125%
HK$87,961
baseline
▲ 0.50% · 4.625%
HK$93,313
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,922/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,082
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,551
−HK$2,505/mo
Today · 4.125%
HK$97,056
baseline
▲ 0.50% · 4.625%
HK$102,172
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,112/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,419
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,730
−HK$3,363/mo
Today · 4.125%
HK$113,093
baseline
▲ 0.50% · 4.625%
HK$119,974
+HK$6,881/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$226,186/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,391
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,566
−HK$3,221/mo
Today · 4.125%
HK$124,787
baseline
▲ 0.50% · 4.625%
HK$131,365
+HK$6,578/mo
Deposit HK$2.59M · loan HK$23.33M · min. income ≈ HK$249,574/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,930 · Scale 2, in force from 26 Feb 2026)