LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,060
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,866/mo
Today · 4.125%
HK$62,763
baseline
▲ 0.50% · 4.625%
HK$66,582
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,526/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,703
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,465
−HK$1,788/mo
Today · 4.125%
HK$69,253
baseline
▲ 0.50% · 4.625%
HK$72,903
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,506/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,871
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,076
−HK$2,240/mo
Today · 4.125%
HK$75,316
baseline
▲ 0.50% · 4.625%
HK$79,899
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,632/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,844
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,958
−HK$2,145/mo
Today · 4.125%
HK$83,103
baseline
▲ 0.50% · 4.625%
HK$87,484
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,206/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,683
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,255
−HK$2,613/mo
Today · 4.125%
HK$87,868
baseline
▲ 0.50% · 4.625%
HK$93,215
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,736/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,984
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,451
−HK$2,503/mo
Today · 4.125%
HK$96,954
baseline
▲ 0.50% · 4.625%
HK$102,065
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,908/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,307
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,614
−HK$3,360/mo
Today · 4.125%
HK$112,974
baseline
▲ 0.50% · 4.625%
HK$119,848
+HK$6,874/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,948/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,266
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$121,438
−HK$3,217/mo
Today · 4.125%
HK$124,655
baseline
▲ 0.50% · 4.625%
HK$131,226
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,310/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,768 · Scale 2, in force from 26 Feb 2026)