LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,056
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,893
−HK$1,866/mo
Today · 4.125%
HK$62,759
baseline
▲ 0.50% · 4.625%
HK$66,578
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,518/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,699
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$67,461
−HK$1,787/mo
Today · 4.125%
HK$69,248
baseline
▲ 0.50% · 4.625%
HK$72,899
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,496/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,867
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$2,240/mo
Today · 4.125%
HK$75,311
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,622/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,839
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,953
−HK$2,145/mo
Today · 4.125%
HK$83,098
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$4,380/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,196/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,678
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,250
−HK$2,613/mo
Today · 4.125%
HK$87,863
baseline
▲ 0.50% · 4.625%
HK$93,209
+HK$5,346/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,726/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,978
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,445
−HK$2,503/mo
Today · 4.125%
HK$96,948
baseline
▲ 0.50% · 4.625%
HK$102,058
+HK$5,110/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,896/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,300
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$109,607
−HK$3,359/mo
Today · 4.125%
HK$112,966
baseline
▲ 0.50% · 4.625%
HK$119,840
+HK$6,874/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,932/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,258
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,430
−HK$3,217/mo
Today · 4.125%
HK$124,647
baseline
▲ 0.50% · 4.625%
HK$131,218
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,294/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,696 · Scale 2, in force from 26 Feb 2026)