LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,013
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,849
−HK$1,865/mo
Today · 4.125%
HK$62,714
baseline
▲ 0.50% · 4.625%
HK$66,530
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,428/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,651
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,412
−HK$1,786/mo
Today · 4.125%
HK$69,198
baseline
▲ 0.50% · 4.625%
HK$72,846
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,396/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,816
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,018
−HK$2,238/mo
Today · 4.125%
HK$75,256
baseline
▲ 0.50% · 4.625%
HK$79,835
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,512/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,782
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,894
−HK$2,144/mo
Today · 4.125%
HK$83,038
baseline
▲ 0.50% · 4.625%
HK$87,415
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,076/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,618
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,188
−HK$2,611/mo
Today · 4.125%
HK$87,799
baseline
▲ 0.50% · 4.625%
HK$93,141
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,598/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,912
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,377
−HK$2,501/mo
Today · 4.125%
HK$96,878
baseline
▲ 0.50% · 4.625%
HK$101,984
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,756/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,223
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,527
−HK$3,357/mo
Today · 4.125%
HK$112,884
baseline
▲ 0.50% · 4.625%
HK$119,753
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,768/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,172
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,342
−HK$3,215/mo
Today · 4.125%
HK$124,557
baseline
▲ 0.50% · 4.625%
HK$131,122
+HK$6,565/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,114/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,899 · Scale 2, in force from 26 Feb 2026)