LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,049
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,886
−HK$1,866/mo
Today · 4.125%
HK$62,752
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,504/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,691
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,453
−HK$1,788/mo
Today · 4.125%
HK$69,241
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$3,649/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,482/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,859
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,063
−HK$2,239/mo
Today · 4.125%
HK$75,302
baseline
▲ 0.50% · 4.625%
HK$79,884
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,604/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,830
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,944
−HK$2,145/mo
Today · 4.125%
HK$83,089
baseline
▲ 0.50% · 4.625%
HK$87,468
+HK$4,379/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,178/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,669
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,240
−HK$2,613/mo
Today · 4.125%
HK$87,853
baseline
▲ 0.50% · 4.625%
HK$93,198
+HK$5,345/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,706/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,968
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,435
−HK$2,502/mo
Today · 4.125%
HK$96,937
baseline
▲ 0.50% · 4.625%
HK$102,046
+HK$5,109/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,874/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,288
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$109,594
−HK$3,359/mo
Today · 4.125%
HK$112,953
baseline
▲ 0.50% · 4.625%
HK$119,826
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,906/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,245
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$121,416
−HK$3,217/mo
Today · 4.125%
HK$124,633
baseline
▲ 0.50% · 4.625%
HK$131,203
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,266/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,572 · Scale 2, in force from 26 Feb 2026)