LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,877
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,861/mo
Today · 4.125%
HK$62,570
baseline
▲ 0.50% · 4.625%
HK$66,377
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,140/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,501
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$67,257
−HK$1,782/mo
Today · 4.125%
HK$69,039
baseline
▲ 0.50% · 4.625%
HK$72,679
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,078/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,653
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,851
−HK$2,233/mo
Today · 4.125%
HK$75,084
baseline
▲ 0.50% · 4.625%
HK$79,652
+HK$4,568/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,168/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,601
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,709
−HK$2,138/mo
Today · 4.125%
HK$82,847
baseline
▲ 0.50% · 4.625%
HK$87,214
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,694/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,428
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,992
−HK$2,605/mo
Today · 4.125%
HK$87,597
baseline
▲ 0.50% · 4.625%
HK$92,928
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,194/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,701
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,160
−HK$2,495/mo
Today · 4.125%
HK$96,655
baseline
▲ 0.50% · 4.625%
HK$101,750
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,310/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,979
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,276
−HK$3,349/mo
Today · 4.125%
HK$112,625
baseline
▲ 0.50% · 4.625%
HK$119,478
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,250/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,901
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,063
−HK$3,208/mo
Today · 4.125%
HK$124,271
baseline
▲ 0.50% · 4.625%
HK$130,821
+HK$6,550/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,542/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,373 · Scale 2, in force from 26 Feb 2026)