LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,856
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,687
−HK$1,860/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$66,353
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,477
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,233
−HK$1,782/mo
Today · 4.125%
HK$69,015
baseline
▲ 0.50% · 4.625%
HK$72,653
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,030/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,825
−HK$2,232/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,624
+HK$4,567/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,573
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,680
−HK$2,138/mo
Today · 4.125%
HK$82,818
baseline
▲ 0.50% · 4.625%
HK$87,183
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,636/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,399
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,962
−HK$2,604/mo
Today · 4.125%
HK$87,566
baseline
▲ 0.50% · 4.625%
HK$92,894
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,132/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,668
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,127
−HK$2,494/mo
Today · 4.125%
HK$96,621
baseline
▲ 0.50% · 4.625%
HK$101,714
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,242/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,942
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$109,237
−HK$3,348/mo
Today · 4.125%
HK$112,585
baseline
▲ 0.50% · 4.625%
HK$119,436
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,170/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,859
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$121,020
−HK$3,206/mo
Today · 4.125%
HK$124,226
baseline
▲ 0.50% · 4.625%
HK$130,775
+HK$6,549/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,452/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,981 · Scale 2, in force from 26 Feb 2026)