LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,859
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$60,690
−HK$1,860/mo
Today · 4.125%
HK$62,550
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,100/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,480
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,236
−HK$1,782/mo
Today · 4.125%
HK$69,018
baseline
▲ 0.50% · 4.625%
HK$72,656
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,036/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,631
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,828
−HK$2,232/mo
Today · 4.125%
HK$75,060
baseline
▲ 0.50% · 4.625%
HK$79,627
+HK$4,567/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$150,120/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,683
−HK$2,138/mo
Today · 4.125%
HK$82,821
baseline
▲ 0.50% · 4.625%
HK$87,187
+HK$4,366/mo
Deposit HK$10.32M · loan HK$15.49M · min. income ≈ HK$165,642/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,403
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,966
−HK$2,604/mo
Today · 4.125%
HK$87,570
baseline
▲ 0.50% · 4.625%
HK$92,898
+HK$5,328/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,140/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,672
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,131
−HK$2,494/mo
Today · 4.125%
HK$96,625
baseline
▲ 0.50% · 4.625%
HK$101,718
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,250/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,946
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$109,242
−HK$3,348/mo
Today · 4.125%
HK$112,590
baseline
▲ 0.50% · 4.625%
HK$119,441
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,180/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,864
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,025
−HK$3,207/mo
Today · 4.125%
HK$124,232
baseline
▲ 0.50% · 4.625%
HK$130,780
+HK$6,548/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,464/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,029 · Scale 2, in force from 26 Feb 2026)