LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,123
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,962
−HK$1,868/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,773
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$67,537
−HK$1,790/mo
Today · 4.125%
HK$69,327
baseline
▲ 0.50% · 4.625%
HK$72,981
+HK$3,654/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,654/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,947
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,154
−HK$2,242/mo
Today · 4.125%
HK$75,396
baseline
▲ 0.50% · 4.625%
HK$79,984
+HK$4,588/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,792/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,928
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,147/mo
Today · 4.125%
HK$83,192
baseline
▲ 0.50% · 4.625%
HK$87,577
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,384/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,772
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,346
−HK$2,616/mo
Today · 4.125%
HK$87,962
baseline
▲ 0.50% · 4.625%
HK$93,314
+HK$5,352/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,924/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,082
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,552
−HK$2,505/mo
Today · 4.125%
HK$97,057
baseline
▲ 0.50% · 4.625%
HK$102,173
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,114/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,421
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$109,731
−HK$3,363/mo
Today · 4.125%
HK$113,094
baseline
▲ 0.50% · 4.625%
HK$119,976
+HK$6,882/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,188/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,392
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,567
−HK$3,221/mo
Today · 4.125%
HK$124,788
baseline
▲ 0.50% · 4.625%
HK$131,366
+HK$6,578/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,576/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,941 · Scale 2, in force from 26 Feb 2026)