LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,879
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,861/mo
Today · 4.125%
HK$62,572
baseline
▲ 0.50% · 4.625%
HK$66,379
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,144/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,503
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,260
−HK$1,782/mo
Today · 4.125%
HK$69,042
baseline
▲ 0.50% · 4.625%
HK$72,681
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,084/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,655
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,853
−HK$2,233/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,603
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,711
−HK$2,139/mo
Today · 4.125%
HK$82,850
baseline
▲ 0.50% · 4.625%
HK$87,217
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,700/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,995
−HK$2,605/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,931
+HK$5,331/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,704
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,495/mo
Today · 4.125%
HK$96,658
baseline
▲ 0.50% · 4.625%
HK$101,753
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.07M · min. income ≈ HK$193,316/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,983
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,280
−HK$3,349/mo
Today · 4.125%
HK$112,629
baseline
▲ 0.50% · 4.625%
HK$119,482
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,258/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,905
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,067
−HK$3,208/mo
Today · 4.125%
HK$124,275
baseline
▲ 0.50% · 4.625%
HK$130,826
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,550/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,410 · Scale 2, in force from 26 Feb 2026)