LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,865
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,696
−HK$1,861/mo
Today · 4.125%
HK$62,557
baseline
▲ 0.50% · 4.625%
HK$66,363
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,114/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,487
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,243
−HK$1,782/mo
Today · 4.125%
HK$69,025
baseline
▲ 0.50% · 4.625%
HK$72,663
+HK$3,638/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,050/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,638
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,836
−HK$2,232/mo
Today · 4.125%
HK$75,068
baseline
▲ 0.50% · 4.625%
HK$79,636
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,136/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,584
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,692
−HK$2,138/mo
Today · 4.125%
HK$82,830
baseline
▲ 0.50% · 4.625%
HK$87,196
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,660/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,411
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,975
−HK$2,604/mo
Today · 4.125%
HK$87,579
baseline
▲ 0.50% · 4.625%
HK$92,908
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,158/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,682
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,141
−HK$2,494/mo
Today · 4.125%
HK$96,635
baseline
▲ 0.50% · 4.625%
HK$101,729
+HK$5,094/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,270/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,957
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,253
−HK$3,349/mo
Today · 4.125%
HK$112,602
baseline
▲ 0.50% · 4.625%
HK$119,453
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,204/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,877
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$121,038
−HK$3,207/mo
Today · 4.125%
HK$124,245
baseline
▲ 0.50% · 4.625%
HK$130,794
+HK$6,549/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,490/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,146 · Scale 2, in force from 26 Feb 2026)