LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,855
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,860/mo
Today · 4.125%
HK$62,546
baseline
▲ 0.50% · 4.625%
HK$66,351
+HK$3,805/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,092/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,475
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,231
−HK$1,782/mo
Today · 4.125%
HK$69,013
baseline
▲ 0.50% · 4.625%
HK$72,651
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,026/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,626
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,823
−HK$2,232/mo
Today · 4.125%
HK$75,055
baseline
▲ 0.50% · 4.625%
HK$79,622
+HK$4,567/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,110/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,571
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,678
−HK$2,137/mo
Today · 4.125%
HK$82,815
baseline
▲ 0.50% · 4.625%
HK$87,181
+HK$4,366/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,630/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,397
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,960
−HK$2,604/mo
Today · 4.125%
HK$87,564
baseline
▲ 0.50% · 4.625%
HK$92,892
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,128/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,666
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,124
−HK$2,494/mo
Today · 4.125%
HK$96,618
baseline
▲ 0.50% · 4.625%
HK$101,711
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,236/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,939
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,234
−HK$3,348/mo
Today · 4.125%
HK$112,582
baseline
▲ 0.50% · 4.625%
HK$119,432
+HK$6,850/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,164/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,856
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,017
−HK$3,206/mo
Today · 4.125%
HK$124,223
baseline
▲ 0.50% · 4.625%
HK$130,771
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,446/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,953 · Scale 2, in force from 26 Feb 2026)