LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,041
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,877
−HK$1,866/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,561
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,682
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,444
−HK$1,787/mo
Today · 4.125%
HK$69,231
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,462/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,849
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,053
−HK$2,239/mo
Today · 4.125%
HK$75,292
baseline
▲ 0.50% · 4.625%
HK$79,873
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,584/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,819
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,933
−HK$2,144/mo
Today · 4.125%
HK$83,077
baseline
▲ 0.50% · 4.625%
HK$87,456
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,154/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,657
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,612/mo
Today · 4.125%
HK$87,840
baseline
▲ 0.50% · 4.625%
HK$93,185
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,680/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,955
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,421
−HK$2,502/mo
Today · 4.125%
HK$96,923
baseline
▲ 0.50% · 4.625%
HK$102,032
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,846/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,273
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,579
−HK$3,359/mo
Today · 4.125%
HK$112,938
baseline
▲ 0.50% · 4.625%
HK$119,810
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,876/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,228
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,399
−HK$3,216/mo
Today · 4.125%
HK$124,615
baseline
▲ 0.50% · 4.625%
HK$131,184
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,230/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,416 · Scale 2, in force from 26 Feb 2026)