LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,039
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,876
−HK$1,865/mo
Today · 4.125%
HK$62,741
baseline
▲ 0.50% · 4.625%
HK$66,559
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,482/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,680
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,442
−HK$1,787/mo
Today · 4.125%
HK$69,229
baseline
▲ 0.50% · 4.625%
HK$72,878
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,458/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,847
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,051
−HK$2,239/mo
Today · 4.125%
HK$75,290
baseline
▲ 0.50% · 4.625%
HK$79,871
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$150,580/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,816
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,930
−HK$2,145/mo
Today · 4.125%
HK$83,075
baseline
▲ 0.50% · 4.625%
HK$87,454
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.53M · min. income ≈ HK$166,150/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,655
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,226
−HK$2,612/mo
Today · 4.125%
HK$87,838
baseline
▲ 0.50% · 4.625%
HK$93,183
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,676/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,953
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,419
−HK$2,501/mo
Today · 4.125%
HK$96,920
baseline
▲ 0.50% · 4.625%
HK$102,029
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,840/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,270
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,576
−HK$3,358/mo
Today · 4.125%
HK$112,934
baseline
▲ 0.50% · 4.625%
HK$119,806
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,868/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,225
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,395
−HK$3,217/mo
Today · 4.125%
HK$124,612
baseline
▲ 0.50% · 4.625%
HK$131,180
+HK$6,568/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,224/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,386 · Scale 2, in force from 26 Feb 2026)