LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,066
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,866/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,589
+HK$3,820/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,710
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$1,788/mo
Today · 4.125%
HK$69,260
baseline
▲ 0.50% · 4.625%
HK$72,911
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,520/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,879
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,083
−HK$2,240/mo
Today · 4.125%
HK$75,323
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,646/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,852
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,967
−HK$2,145/mo
Today · 4.125%
HK$83,112
baseline
▲ 0.50% · 4.625%
HK$87,493
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,224/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,692
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,264
−HK$2,613/mo
Today · 4.125%
HK$87,877
baseline
▲ 0.50% · 4.625%
HK$93,224
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,754/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,994
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,461
−HK$2,503/mo
Today · 4.125%
HK$96,964
baseline
▲ 0.50% · 4.625%
HK$102,075
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,928/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,318
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,625
−HK$3,360/mo
Today · 4.125%
HK$112,985
baseline
▲ 0.50% · 4.625%
HK$119,860
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,970/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,278
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,450
−HK$3,218/mo
Today · 4.125%
HK$124,668
baseline
▲ 0.50% · 4.625%
HK$131,239
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,336/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,879 · Scale 2, in force from 26 Feb 2026)