LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,010
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,846
−HK$1,865/mo
Today · 4.125%
HK$62,711
baseline
▲ 0.50% · 4.625%
HK$66,526
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,422/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,648
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,409
−HK$1,786/mo
Today · 4.125%
HK$69,195
baseline
▲ 0.50% · 4.625%
HK$72,842
+HK$3,647/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,390/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,812
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,015
−HK$2,238/mo
Today · 4.125%
HK$75,253
baseline
▲ 0.50% · 4.625%
HK$79,832
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,506/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,778
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,891
−HK$2,143/mo
Today · 4.125%
HK$83,034
baseline
▲ 0.50% · 4.625%
HK$87,411
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,068/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,614
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,184
−HK$2,611/mo
Today · 4.125%
HK$87,795
baseline
▲ 0.50% · 4.625%
HK$93,137
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,590/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,908
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,372
−HK$2,501/mo
Today · 4.125%
HK$96,873
baseline
▲ 0.50% · 4.625%
HK$101,979
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,746/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,218
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,522
−HK$3,357/mo
Today · 4.125%
HK$112,879
baseline
▲ 0.50% · 4.625%
HK$119,748
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,758/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,167
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,336
−HK$3,215/mo
Today · 4.125%
HK$124,551
baseline
▲ 0.50% · 4.625%
HK$131,116
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,102/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,848 · Scale 2, in force from 26 Feb 2026)