LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,004
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,839
−HK$1,865/mo
Today · 4.125%
HK$62,704
baseline
▲ 0.50% · 4.625%
HK$66,520
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,408/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,641
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,402
−HK$1,786/mo
Today · 4.125%
HK$69,188
baseline
▲ 0.50% · 4.625%
HK$72,835
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,376/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,805
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,007
−HK$2,238/mo
Today · 4.125%
HK$75,245
baseline
▲ 0.50% · 4.625%
HK$79,823
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,490/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,770
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,143/mo
Today · 4.125%
HK$83,025
baseline
▲ 0.50% · 4.625%
HK$87,402
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,050/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,606
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,611/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$93,127
+HK$5,341/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,898
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,363
−HK$2,500/mo
Today · 4.125%
HK$96,863
baseline
▲ 0.50% · 4.625%
HK$101,969
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,726/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,207
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,511
−HK$3,357/mo
Today · 4.125%
HK$112,868
baseline
▲ 0.50% · 4.625%
HK$119,735
+HK$6,867/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,736/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,155
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,323
−HK$3,215/mo
Today · 4.125%
HK$124,538
baseline
▲ 0.50% · 4.625%
HK$131,103
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,076/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,734 · Scale 2, in force from 26 Feb 2026)