LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,125
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,868/mo
Today · 4.125%
HK$62,832
baseline
▲ 0.50% · 4.625%
HK$66,655
+HK$3,823/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$125,664/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,776
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$67,540
−HK$1,789/mo
Today · 4.125%
HK$69,329
baseline
▲ 0.50% · 4.625%
HK$72,984
+HK$3,655/mo
Deposit HK$12.96M · loan HK$12.96M · min. income ≈ HK$138,658/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,950
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,156
−HK$2,243/mo
Today · 4.125%
HK$75,399
baseline
▲ 0.50% · 4.625%
HK$79,986
+HK$4,587/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$150,798/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,931
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,047
−HK$2,148/mo
Today · 4.125%
HK$83,195
baseline
▲ 0.50% · 4.625%
HK$87,580
+HK$4,385/mo
Deposit HK$10.37M · loan HK$15.56M · min. income ≈ HK$166,390/mo (50% DSR)
Upfront cash ≈ HK$11.47M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,774
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,349
−HK$2,616/mo
Today · 4.125%
HK$87,965
baseline
▲ 0.50% · 4.625%
HK$93,318
+HK$5,353/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$175,930/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,086
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,555
−HK$2,506/mo
Today · 4.125%
HK$97,061
baseline
▲ 0.50% · 4.625%
HK$102,177
+HK$5,116/mo
Deposit HK$7.78M · loan HK$18.15M · min. income ≈ HK$194,122/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,424
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$109,735
−HK$3,363/mo
Today · 4.125%
HK$113,098
baseline
▲ 0.50% · 4.625%
HK$119,980
+HK$6,882/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$226,196/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,396
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$121,571
−HK$3,221/mo
Today · 4.125%
HK$124,792
baseline
▲ 0.50% · 4.625%
HK$131,370
+HK$6,578/mo
Deposit HK$2.59M · loan HK$23.34M · min. income ≈ HK$249,584/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,980 · Scale 2, in force from 26 Feb 2026)