LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,048
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,885
−HK$1,866/mo
Today · 4.125%
HK$62,751
baseline
▲ 0.50% · 4.625%
HK$66,569
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,502/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,690
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,452
−HK$1,788/mo
Today · 4.125%
HK$69,240
baseline
▲ 0.50% · 4.625%
HK$72,889
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,480/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,858
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,062
−HK$2,239/mo
Today · 4.125%
HK$75,301
baseline
▲ 0.50% · 4.625%
HK$79,883
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,602/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,829
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,943
−HK$2,144/mo
Today · 4.125%
HK$83,087
baseline
▲ 0.50% · 4.625%
HK$87,467
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,174/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,667
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,239
−HK$2,612/mo
Today · 4.125%
HK$87,851
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,702/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,967
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,433
−HK$2,502/mo
Today · 4.125%
HK$96,935
baseline
▲ 0.50% · 4.625%
HK$102,045
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,870/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,287
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,593
−HK$3,359/mo
Today · 4.125%
HK$112,952
baseline
▲ 0.50% · 4.625%
HK$119,825
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,904/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,243
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,414
−HK$3,217/mo
Today · 4.125%
HK$124,631
baseline
▲ 0.50% · 4.625%
HK$131,201
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,262/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,555 · Scale 2, in force from 26 Feb 2026)