LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,028
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,864
−HK$1,866/mo
Today · 4.125%
HK$62,730
baseline
▲ 0.50% · 4.625%
HK$66,547
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,460/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,668
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,429
−HK$1,787/mo
Today · 4.125%
HK$69,216
baseline
▲ 0.50% · 4.625%
HK$72,864
+HK$3,648/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,432/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,834
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,037
−HK$2,239/mo
Today · 4.125%
HK$75,276
baseline
▲ 0.50% · 4.625%
HK$79,856
+HK$4,580/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$150,552/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,802
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,915
−HK$2,144/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$87,437
+HK$4,378/mo
Deposit HK$10.35M · loan HK$15.53M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,639
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$85,210
−HK$2,611/mo
Today · 4.125%
HK$87,821
baseline
▲ 0.50% · 4.625%
HK$93,165
+HK$5,344/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,642/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,935
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,401
−HK$2,501/mo
Today · 4.125%
HK$96,902
baseline
▲ 0.50% · 4.625%
HK$102,010
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,804/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,250
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,555
−HK$3,358/mo
Today · 4.125%
HK$112,913
baseline
▲ 0.50% · 4.625%
HK$119,784
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,826/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,203
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$121,373
−HK$3,216/mo
Today · 4.125%
HK$124,589
baseline
▲ 0.50% · 4.625%
HK$131,156
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,178/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,180 · Scale 2, in force from 26 Feb 2026)