LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,043
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,880
−HK$1,866/mo
Today · 4.125%
HK$62,746
baseline
▲ 0.50% · 4.625%
HK$66,564
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,492/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,685
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,446
−HK$1,788/mo
Today · 4.125%
HK$69,234
baseline
▲ 0.50% · 4.625%
HK$72,883
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,468/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,852
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,056
−HK$2,239/mo
Today · 4.125%
HK$75,295
baseline
▲ 0.50% · 4.625%
HK$79,876
+HK$4,581/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,590/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,822
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,936
−HK$2,144/mo
Today · 4.125%
HK$83,080
baseline
▲ 0.50% · 4.625%
HK$87,460
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,160/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,660
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,232
−HK$2,612/mo
Today · 4.125%
HK$87,844
baseline
▲ 0.50% · 4.625%
HK$93,189
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,688/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,959
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,425
−HK$2,502/mo
Today · 4.125%
HK$96,927
baseline
▲ 0.50% · 4.625%
HK$102,036
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,854/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,278
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$109,583
−HK$3,359/mo
Today · 4.125%
HK$112,942
baseline
▲ 0.50% · 4.625%
HK$119,814
+HK$6,872/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$225,884/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,233
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$121,404
−HK$3,216/mo
Today · 4.125%
HK$124,620
baseline
▲ 0.50% · 4.625%
HK$131,189
+HK$6,569/mo
Deposit HK$2.59M · loan HK$23.30M · min. income ≈ HK$249,240/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,461 · Scale 2, in force from 26 Feb 2026)