LTV · monthly repayment
▼ 0.50% · 3.625%
HK$59,072
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,867/mo
Today · 4.125%
HK$62,777
baseline
▲ 0.50% · 4.625%
HK$66,596
+HK$3,819/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$125,554/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,717
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$1,788/mo
Today · 4.125%
HK$69,268
baseline
▲ 0.50% · 4.625%
HK$72,919
+HK$3,651/mo
Deposit HK$12.95M · loan HK$12.95M · min. income ≈ HK$138,536/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,887
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,092
−HK$2,240/mo
Today · 4.125%
HK$75,332
baseline
▲ 0.50% · 4.625%
HK$79,916
+HK$4,584/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$150,664/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,861
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,976
−HK$2,145/mo
Today · 4.125%
HK$83,121
baseline
▲ 0.50% · 4.625%
HK$87,503
+HK$4,382/mo
Deposit HK$10.36M · loan HK$15.54M · min. income ≈ HK$166,242/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,701
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,274
−HK$2,613/mo
Today · 4.125%
HK$87,887
baseline
▲ 0.50% · 4.625%
HK$93,235
+HK$5,348/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$175,774/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,004
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,472
−HK$2,503/mo
Today · 4.125%
HK$96,975
baseline
▲ 0.50% · 4.625%
HK$102,087
+HK$5,112/mo
Deposit HK$7.77M · loan HK$18.13M · min. income ≈ HK$193,950/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,330
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,637
−HK$3,361/mo
Today · 4.125%
HK$112,998
baseline
▲ 0.50% · 4.625%
HK$119,873
+HK$6,875/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$225,996/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,291
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,464
−HK$3,218/mo
Today · 4.125%
HK$124,682
baseline
▲ 0.50% · 4.625%
HK$131,254
+HK$6,572/mo
Deposit HK$2.59M · loan HK$23.32M · min. income ≈ HK$249,364/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,101,004 · Scale 2, in force from 26 Feb 2026)