LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,866
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,697
−HK$1,861/mo
Today · 4.125%
HK$62,558
baseline
▲ 0.50% · 4.625%
HK$66,364
+HK$3,806/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,116/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,488
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,244
−HK$1,782/mo
Today · 4.125%
HK$69,026
baseline
▲ 0.50% · 4.625%
HK$72,665
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,052/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,639
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,837
−HK$2,232/mo
Today · 4.125%
HK$75,069
baseline
▲ 0.50% · 4.625%
HK$79,637
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,138/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,586
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,693
−HK$2,138/mo
Today · 4.125%
HK$82,831
baseline
▲ 0.50% · 4.625%
HK$87,197
+HK$4,366/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,662/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,413
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,976
−HK$2,605/mo
Today · 4.125%
HK$87,581
baseline
▲ 0.50% · 4.625%
HK$92,910
+HK$5,329/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$175,162/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,683
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,142
−HK$2,495/mo
Today · 4.125%
HK$96,637
baseline
▲ 0.50% · 4.625%
HK$101,730
+HK$5,093/mo
Deposit HK$7.74M · loan HK$18.07M · min. income ≈ HK$193,274/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,959
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$109,255
−HK$3,349/mo
Today · 4.125%
HK$112,604
baseline
▲ 0.50% · 4.625%
HK$119,455
+HK$6,851/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,208/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,878
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$121,040
−HK$3,207/mo
Today · 4.125%
HK$124,247
baseline
▲ 0.50% · 4.625%
HK$130,796
+HK$6,549/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,494/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,162 · Scale 2, in force from 26 Feb 2026)