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$66,539
+HK$3,817/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$1,100,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,660
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,421
−HK$1,787/mo
Today · 4.125%
HK$69,208
baseline
▲ 0.50% · 4.625%
HK$72,856
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,416/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,825
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,028
−HK$2,239/mo
Today · 4.125%
HK$75,267
baseline
▲ 0.50% · 4.625%
HK$79,846
+HK$4,579/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,534/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,048 · 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$1,100,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,629
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,200
−HK$2,611/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$1,100,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,924
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,390
−HK$2,501/mo
Today · 4.125%
HK$96,891
baseline
▲ 0.50% · 4.625%
HK$101,998
+HK$5,107/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,782/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,048 · 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$1,100,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,188
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,358
−HK$3,216/mo
Today · 4.125%
HK$124,574
baseline
▲ 0.50% · 4.625%
HK$131,140
+HK$6,566/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,148/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,048 · Scale 2, in force from 26 Feb 2026)