LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,984
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,864/mo
Today · 4.125%
HK$62,683
baseline
▲ 0.50% · 4.625%
HK$66,497
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,366/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,619
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,379
−HK$1,785/mo
Today · 4.125%
HK$69,164
baseline
▲ 0.50% · 4.625%
HK$72,810
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,328/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,781
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$2,237/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,796
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,743
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,855
−HK$2,142/mo
Today · 4.125%
HK$82,997
baseline
▲ 0.50% · 4.625%
HK$87,372
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,994/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,577
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,146
−HK$2,610/mo
Today · 4.125%
HK$87,756
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,512/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,866
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,330
−HK$2,500/mo
Today · 4.125%
HK$96,830
baseline
▲ 0.50% · 4.625%
HK$101,934
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,660/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,171
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,473
−HK$3,356/mo
Today · 4.125%
HK$112,829
baseline
▲ 0.50% · 4.625%
HK$119,694
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,658/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,114
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,282
−HK$3,213/mo
Today · 4.125%
HK$124,495
baseline
▲ 0.50% · 4.625%
HK$131,058
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,990/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,356 · Scale 2, in force from 26 Feb 2026)