LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,006
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,841
−HK$1,865/mo
Today · 4.125%
HK$62,706
baseline
▲ 0.50% · 4.625%
HK$66,521
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,412/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,643
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,404
−HK$1,786/mo
Today · 4.125%
HK$69,190
baseline
▲ 0.50% · 4.625%
HK$72,837
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,380/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,807
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,009
−HK$2,238/mo
Today · 4.125%
HK$75,247
baseline
▲ 0.50% · 4.625%
HK$79,825
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,494/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,772
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,884
−HK$2,143/mo
Today · 4.125%
HK$83,027
baseline
▲ 0.50% · 4.625%
HK$87,404
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,054/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,608
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,177
−HK$2,611/mo
Today · 4.125%
HK$87,788
baseline
▲ 0.50% · 4.625%
HK$93,130
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,576/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,900
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,365
−HK$2,500/mo
Today · 4.125%
HK$96,865
baseline
▲ 0.50% · 4.625%
HK$101,971
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,730/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,210
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,514
−HK$3,356/mo
Today · 4.125%
HK$112,870
baseline
▲ 0.50% · 4.625%
HK$119,738
+HK$6,868/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,740/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,158
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,326
−HK$3,215/mo
Today · 4.125%
HK$124,541
baseline
▲ 0.50% · 4.625%
HK$131,106
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,082/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,761 · Scale 2, in force from 26 Feb 2026)