LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,975
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,810
−HK$1,864/mo
Today · 4.125%
HK$62,674
baseline
▲ 0.50% · 4.625%
HK$66,487
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,348/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,610
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,369
−HK$1,785/mo
Today · 4.125%
HK$69,154
baseline
▲ 0.50% · 4.625%
HK$72,799
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,308/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,771
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,972
−HK$2,236/mo
Today · 4.125%
HK$75,208
baseline
▲ 0.50% · 4.625%
HK$79,785
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,416/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,731
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,843
−HK$2,142/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$87,359
+HK$4,374/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,566
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,134
−HK$2,609/mo
Today · 4.125%
HK$87,743
baseline
▲ 0.50% · 4.625%
HK$93,082
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,486/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,853
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,317
−HK$2,499/mo
Today · 4.125%
HK$96,816
baseline
▲ 0.50% · 4.625%
HK$101,919
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,632/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,156
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,458
−HK$3,355/mo
Today · 4.125%
HK$112,813
baseline
▲ 0.50% · 4.625%
HK$119,677
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,626/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,097
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,265
−HK$3,213/mo
Today · 4.125%
HK$124,478
baseline
▲ 0.50% · 4.625%
HK$131,039
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,956/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,200 · Scale 2, in force from 26 Feb 2026)