LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,021
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,857
−HK$1,865/mo
Today · 4.125%
HK$62,722
baseline
▲ 0.50% · 4.625%
HK$66,538
+HK$3,816/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,444/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,660
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$67,421
−HK$1,786/mo
Today · 4.125%
HK$69,207
baseline
▲ 0.50% · 4.625%
HK$72,856
+HK$3,649/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,414/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,825
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,028
−HK$2,238/mo
Today · 4.125%
HK$75,266
baseline
▲ 0.50% · 4.625%
HK$79,846
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,532/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,792
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,905
−HK$2,144/mo
Today · 4.125%
HK$83,049
baseline
▲ 0.50% · 4.625%
HK$87,427
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,098/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,629
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,199
−HK$2,612/mo
Today · 4.125%
HK$87,811
baseline
▲ 0.50% · 4.625%
HK$93,154
+HK$5,343/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,622/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,924
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,389
−HK$2,501/mo
Today · 4.125%
HK$96,890
baseline
▲ 0.50% · 4.625%
HK$101,998
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,780/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,238
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$109,542
−HK$3,358/mo
Today · 4.125%
HK$112,900
baseline
▲ 0.50% · 4.625%
HK$119,769
+HK$6,869/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,800/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,188
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,358
−HK$3,215/mo
Today · 4.125%
HK$124,573
baseline
▲ 0.50% · 4.625%
HK$131,140
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,146/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,046 · Scale 2, in force from 26 Feb 2026)