LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,994
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,865/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$66,509
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,631
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$1,785/mo
Today · 4.125%
HK$69,176
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,352/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,793
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,995
−HK$2,238/mo
Today · 4.125%
HK$75,233
baseline
▲ 0.50% · 4.625%
HK$79,810
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,466/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,757
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,869
−HK$2,143/mo
Today · 4.125%
HK$83,012
baseline
▲ 0.50% · 4.625%
HK$87,387
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,024/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,592
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,161
−HK$2,610/mo
Today · 4.125%
HK$87,771
baseline
▲ 0.50% · 4.625%
HK$93,112
+HK$5,341/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,542/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,883
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,347
−HK$2,500/mo
Today · 4.125%
HK$96,847
baseline
▲ 0.50% · 4.625%
HK$101,952
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,694/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,190
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$109,493
−HK$3,356/mo
Today · 4.125%
HK$112,849
baseline
▲ 0.50% · 4.625%
HK$119,715
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,698/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,135
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,303
−HK$3,215/mo
Today · 4.125%
HK$124,518
baseline
▲ 0.50% · 4.625%
HK$131,081
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,036/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,552 · Scale 2, in force from 26 Feb 2026)