LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,054
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,891
−HK$1,867/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,576
+HK$3,818/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,697
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,459
−HK$1,788/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$72,897
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,865
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,070
−HK$2,239/mo
Today · 4.125%
HK$75,309
baseline
▲ 0.50% · 4.625%
HK$79,892
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,618/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,837
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,951
−HK$2,145/mo
Today · 4.125%
HK$83,096
baseline
▲ 0.50% · 4.625%
HK$87,476
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,192/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,676
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,248
−HK$2,613/mo
Today · 4.125%
HK$87,861
baseline
▲ 0.50% · 4.625%
HK$93,207
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,722/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,976
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,443
−HK$2,503/mo
Today · 4.125%
HK$96,946
baseline
▲ 0.50% · 4.625%
HK$102,056
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,892/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,298
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,604
−HK$3,360/mo
Today · 4.125%
HK$112,964
baseline
▲ 0.50% · 4.625%
HK$119,837
+HK$6,873/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,928/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,255
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,427
−HK$3,217/mo
Today · 4.125%
HK$124,644
baseline
▲ 0.50% · 4.625%
HK$131,215
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,288/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,672 · Scale 2, in force from 26 Feb 2026)