LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,042
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$60,878
−HK$1,866/mo
Today · 4.125%
HK$62,744
baseline
▲ 0.50% · 4.625%
HK$66,562
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,488/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,683
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,445
−HK$1,787/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$72,881
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,850
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,054
−HK$2,239/mo
Today · 4.125%
HK$75,293
baseline
▲ 0.50% · 4.625%
HK$79,874
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,586/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,820
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,934
−HK$2,144/mo
Today · 4.125%
HK$83,078
baseline
▲ 0.50% · 4.625%
HK$87,457
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,156/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,658
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,229
−HK$2,612/mo
Today · 4.125%
HK$87,841
baseline
▲ 0.50% · 4.625%
HK$93,186
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$175,682/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,956
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,423
−HK$2,501/mo
Today · 4.125%
HK$96,924
baseline
▲ 0.50% · 4.625%
HK$102,033
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.12M · min. income ≈ HK$193,848/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,275
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,580
−HK$3,359/mo
Today · 4.125%
HK$112,939
baseline
▲ 0.50% · 4.625%
HK$119,811
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,878/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,230
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,400
−HK$3,217/mo
Today · 4.125%
HK$124,617
baseline
▲ 0.50% · 4.625%
HK$131,186
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,234/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,431 · Scale 2, in force from 26 Feb 2026)