LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,026
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$60,862
−HK$1,865/mo
Today · 4.125%
HK$62,727
baseline
▲ 0.50% · 4.625%
HK$66,544
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,454/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,665
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,427
−HK$1,786/mo
Today · 4.125%
HK$69,213
baseline
▲ 0.50% · 4.625%
HK$72,861
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,426/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,831
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,034
−HK$2,239/mo
Today · 4.125%
HK$75,273
baseline
▲ 0.50% · 4.625%
HK$79,853
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,546/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,799
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,912
−HK$2,144/mo
Today · 4.125%
HK$83,056
baseline
▲ 0.50% · 4.625%
HK$87,434
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,112/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,636
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,206
−HK$2,612/mo
Today · 4.125%
HK$87,818
baseline
▲ 0.50% · 4.625%
HK$93,161
+HK$5,343/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,636/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,932
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,397
−HK$2,501/mo
Today · 4.125%
HK$96,898
baseline
▲ 0.50% · 4.625%
HK$102,006
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,796/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,246
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,551
−HK$3,358/mo
Today · 4.125%
HK$112,909
baseline
▲ 0.50% · 4.625%
HK$119,779
+HK$6,870/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,818/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,198
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,368
−HK$3,216/mo
Today · 4.125%
HK$124,584
baseline
▲ 0.50% · 4.625%
HK$131,151
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,168/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,136 · Scale 2, in force from 26 Feb 2026)