LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,070
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,867/mo
Today · 4.125%
HK$62,775
baseline
▲ 0.50% · 4.625%
HK$66,594
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,550/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,715
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$1,788/mo
Today · 4.125%
HK$69,266
baseline
▲ 0.50% · 4.625%
HK$72,917
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,532/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,884
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,089
−HK$2,241/mo
Today · 4.125%
HK$75,330
baseline
▲ 0.50% · 4.625%
HK$79,913
+HK$4,583/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,660/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,858
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,973
−HK$2,146/mo
Today · 4.125%
HK$83,119
baseline
▲ 0.50% · 4.625%
HK$87,500
+HK$4,381/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,238/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,271
−HK$2,613/mo
Today · 4.125%
HK$87,884
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,768/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,001
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,469
−HK$2,503/mo
Today · 4.125%
HK$96,972
baseline
▲ 0.50% · 4.625%
HK$102,083
+HK$5,111/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,944/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,327
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,634
−HK$3,360/mo
Today · 4.125%
HK$112,994
baseline
▲ 0.50% · 4.625%
HK$119,870
+HK$6,876/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$225,988/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,287
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,460
−HK$3,218/mo
Today · 4.125%
HK$124,678
baseline
▲ 0.50% · 4.625%
HK$131,250
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.31M · min. income ≈ HK$249,356/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,100,969 · Scale 2, in force from 26 Feb 2026)