LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,008
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,844
−HK$1,864/mo
Today · 4.125%
HK$62,708
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,416/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,646
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,407
−HK$1,786/mo
Today · 4.125%
HK$69,193
baseline
▲ 0.50% · 4.625%
HK$72,840
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,386/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,810
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,012
−HK$2,238/mo
Today · 4.125%
HK$75,250
baseline
▲ 0.50% · 4.625%
HK$79,829
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,500/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,775
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,888
−HK$2,143/mo
Today · 4.125%
HK$83,031
baseline
▲ 0.50% · 4.625%
HK$87,408
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,062/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,611
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,181
−HK$2,611/mo
Today · 4.125%
HK$87,792
baseline
▲ 0.50% · 4.625%
HK$93,134
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,584/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,904
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,369
−HK$2,501/mo
Today · 4.125%
HK$96,870
baseline
▲ 0.50% · 4.625%
HK$101,976
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,740/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,215
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,519
−HK$3,356/mo
Today · 4.125%
HK$112,875
baseline
▲ 0.50% · 4.625%
HK$119,743
+HK$6,868/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,750/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,163
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,332
−HK$3,215/mo
Today · 4.125%
HK$124,547
baseline
▲ 0.50% · 4.625%
HK$131,112
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,094/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,809 · Scale 2, in force from 26 Feb 2026)