LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,060
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,867/mo
Today · 4.125%
HK$62,764
baseline
▲ 0.50% · 4.625%
HK$66,583
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,528/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,704
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$1,788/mo
Today · 4.125%
HK$69,254
baseline
▲ 0.50% · 4.625%
HK$72,904
+HK$3,650/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,508/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,872
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,077
−HK$2,240/mo
Today · 4.125%
HK$75,317
baseline
▲ 0.50% · 4.625%
HK$79,899
+HK$4,582/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,634/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,845
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,959
−HK$2,145/mo
Today · 4.125%
HK$83,104
baseline
▲ 0.50% · 4.625%
HK$87,485
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,208/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,684
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,256
−HK$2,613/mo
Today · 4.125%
HK$87,869
baseline
▲ 0.50% · 4.625%
HK$93,216
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,738/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,985
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,452
−HK$2,503/mo
Today · 4.125%
HK$96,955
baseline
▲ 0.50% · 4.625%
HK$102,066
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,910/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,308
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,615
−HK$3,360/mo
Today · 4.125%
HK$112,975
baseline
▲ 0.50% · 4.625%
HK$119,849
+HK$6,874/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,950/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,267
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,439
−HK$3,218/mo
Today · 4.125%
HK$124,657
baseline
▲ 0.50% · 4.625%
HK$131,227
+HK$6,570/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,314/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,779 · Scale 2, in force from 26 Feb 2026)