LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,031
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,867
−HK$1,866/mo
Today · 4.125%
HK$62,733
baseline
▲ 0.50% · 4.625%
HK$66,550
+HK$3,817/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,466/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,671
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$67,433
−HK$1,786/mo
Today · 4.125%
HK$69,219
baseline
▲ 0.50% · 4.625%
HK$72,868
+HK$3,649/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,438/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,837
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,041
−HK$2,238/mo
Today · 4.125%
HK$75,279
baseline
▲ 0.50% · 4.625%
HK$79,860
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,558/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,806
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,919
−HK$2,144/mo
Today · 4.125%
HK$83,063
baseline
▲ 0.50% · 4.625%
HK$87,442
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,126/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,643
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,214
−HK$2,612/mo
Today · 4.125%
HK$87,826
baseline
▲ 0.50% · 4.625%
HK$93,170
+HK$5,344/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,652/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,940
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,406
−HK$2,501/mo
Today · 4.125%
HK$96,907
baseline
▲ 0.50% · 4.625%
HK$102,015
+HK$5,108/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,814/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,256
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,561
−HK$3,358/mo
Today · 4.125%
HK$112,919
baseline
▲ 0.50% · 4.625%
HK$119,790
+HK$6,871/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,838/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,208
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,379
−HK$3,216/mo
Today · 4.125%
HK$124,595
baseline
▲ 0.50% · 4.625%
HK$131,162
+HK$6,567/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,190/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,234 · Scale 2, in force from 26 Feb 2026)