LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,018
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,865/mo
Today · 4.125%
HK$62,719
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,438/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,657
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,418
−HK$1,786/mo
Today · 4.125%
HK$69,204
baseline
▲ 0.50% · 4.625%
HK$72,852
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,408/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,821
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,024
−HK$2,239/mo
Today · 4.125%
HK$75,263
baseline
▲ 0.50% · 4.625%
HK$79,842
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,526/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,788
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,901
−HK$2,144/mo
Today · 4.125%
HK$83,045
baseline
▲ 0.50% · 4.625%
HK$87,422
+HK$4,377/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,090/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,625
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,195
−HK$2,611/mo
Today · 4.125%
HK$87,806
baseline
▲ 0.50% · 4.625%
HK$93,149
+HK$5,343/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,612/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,919
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,385
−HK$2,501/mo
Today · 4.125%
HK$96,886
baseline
▲ 0.50% · 4.625%
HK$101,993
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,772/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,232
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,537
−HK$3,357/mo
Today · 4.125%
HK$112,894
baseline
▲ 0.50% · 4.625%
HK$119,763
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,788/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,182
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,352
−HK$3,215/mo
Today · 4.125%
HK$124,567
baseline
▲ 0.50% · 4.625%
HK$131,133
+HK$6,566/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,134/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,990 · Scale 2, in force from 26 Feb 2026)