LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,066
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,867/mo
Today · 4.125%
HK$62,770
baseline
▲ 0.50% · 4.625%
HK$66,589
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,540/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,885 · 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$1,100,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,879
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,084
−HK$2,240/mo
Today · 4.125%
HK$75,324
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,648/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,885 · 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$1,100,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,692
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,264
−HK$2,614/mo
Today · 4.125%
HK$87,878
baseline
▲ 0.50% · 4.625%
HK$93,225
+HK$5,347/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,756/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,885 · 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$102,076
+HK$5,112/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$1,100,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,319
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,626
−HK$3,360/mo
Today · 4.125%
HK$112,986
baseline
▲ 0.50% · 4.625%
HK$119,861
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,972/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,278
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,450
−HK$3,219/mo
Today · 4.125%
HK$124,669
baseline
▲ 0.50% · 4.625%
HK$131,240
+HK$6,571/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,338/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,885 · Scale 2, in force from 26 Feb 2026)