LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,019
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,855
−HK$1,865/mo
Today · 4.125%
HK$62,720
baseline
▲ 0.50% · 4.625%
HK$66,536
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,440/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,658
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,419
−HK$1,786/mo
Today · 4.125%
HK$69,205
baseline
▲ 0.50% · 4.625%
HK$72,853
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,410/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,823
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,026
−HK$2,238/mo
Today · 4.125%
HK$75,264
baseline
▲ 0.50% · 4.625%
HK$79,843
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,528/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,789
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,903
−HK$2,143/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$87,424
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,626
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,197
−HK$2,611/mo
Today · 4.125%
HK$87,808
baseline
▲ 0.50% · 4.625%
HK$93,151
+HK$5,343/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$175,616/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,921
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,386
−HK$2,501/mo
Today · 4.125%
HK$96,887
baseline
▲ 0.50% · 4.625%
HK$101,994
+HK$5,107/mo
Deposit HK$7.76M · loan HK$18.12M · min. income ≈ HK$193,774/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,234
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,538
−HK$3,358/mo
Today · 4.125%
HK$112,896
baseline
▲ 0.50% · 4.625%
HK$119,765
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,792/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,184
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,354
−HK$3,215/mo
Today · 4.125%
HK$124,569
baseline
▲ 0.50% · 4.625%
HK$131,136
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,138/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,009 · Scale 2, in force from 26 Feb 2026)