LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,068
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,867/mo
Today · 4.125%
HK$62,772
baseline
▲ 0.50% · 4.625%
HK$66,591
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,544/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,712
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$67,475
−HK$1,787/mo
Today · 4.125%
HK$69,262
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,524/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,881
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,086
−HK$2,240/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,909
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,855
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,969
−HK$2,146/mo
Today · 4.125%
HK$83,115
baseline
▲ 0.50% · 4.625%
HK$87,496
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,230/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,695
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,267
−HK$2,613/mo
Today · 4.125%
HK$87,880
baseline
▲ 0.50% · 4.625%
HK$93,228
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,760/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,997
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,464
−HK$2,503/mo
Today · 4.125%
HK$96,967
baseline
▲ 0.50% · 4.625%
HK$102,079
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,934/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,322
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,629
−HK$3,360/mo
Today · 4.125%
HK$112,989
baseline
▲ 0.50% · 4.625%
HK$119,864
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,978/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,282
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,454
−HK$3,218/mo
Today · 4.125%
HK$124,672
baseline
▲ 0.50% · 4.625%
HK$131,244
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,344/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,918 · Scale 2, in force from 26 Feb 2026)