LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,055
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,892
−HK$1,866/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,577
+HK$3,819/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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,698
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,460
−HK$1,787/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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$4,443/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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,837
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,952
−HK$2,145/mo
Today · 4.125%
HK$83,097
baseline
▲ 0.50% · 4.625%
HK$87,477
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,194/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,675 · 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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,977
−HK$4,969/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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,298
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,605
−HK$3,359/mo
Today · 4.125%
HK$112,964
baseline
▲ 0.50% · 4.625%
HK$119,838
+HK$6,874/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$1,100,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,256
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,427
−HK$3,218/mo
Today · 4.125%
HK$124,645
baseline
▲ 0.50% · 4.625%
HK$131,215
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,290/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,675 · Scale 2, in force from 26 Feb 2026)