LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,016
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,865/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,533
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,655
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,416
−HK$1,786/mo
Today · 4.125%
HK$69,202
baseline
▲ 0.50% · 4.625%
HK$72,850
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,404/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,819
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,022
−HK$2,238/mo
Today · 4.125%
HK$75,260
baseline
▲ 0.50% · 4.625%
HK$79,840
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,520/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,786
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,899
−HK$2,143/mo
Today · 4.125%
HK$83,042
baseline
▲ 0.50% · 4.625%
HK$87,419
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,084/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,622
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,192
−HK$2,612/mo
Today · 4.125%
HK$87,804
baseline
▲ 0.50% · 4.625%
HK$93,146
+HK$5,342/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,608/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,917
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,382
−HK$2,501/mo
Today · 4.125%
HK$96,883
baseline
▲ 0.50% · 4.625%
HK$101,989
+HK$5,106/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,766/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,229
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,533
−HK$3,357/mo
Today · 4.125%
HK$112,890
baseline
▲ 0.50% · 4.625%
HK$119,759
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,780/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,178
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,348
−HK$3,215/mo
Today · 4.125%
HK$124,563
baseline
▲ 0.50% · 4.625%
HK$131,129
+HK$6,566/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,126/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,955 · Scale 2, in force from 26 Feb 2026)