LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,880
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,712
−HK$1,861/mo
Today · 4.125%
HK$62,573
baseline
▲ 0.50% · 4.625%
HK$66,380
+HK$3,807/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,146/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,504
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$67,261
−HK$1,782/mo
Today · 4.125%
HK$69,043
baseline
▲ 0.50% · 4.625%
HK$72,682
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,086/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$2,233/mo
Today · 4.125%
HK$75,087
baseline
▲ 0.50% · 4.625%
HK$79,656
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,174/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,605
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,713
−HK$2,138/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,219
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,433
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,997
−HK$2,605/mo
Today · 4.125%
HK$87,602
baseline
▲ 0.50% · 4.625%
HK$92,932
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,204/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,705
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,165
−HK$2,495/mo
Today · 4.125%
HK$96,660
baseline
▲ 0.50% · 4.625%
HK$101,755
+HK$5,095/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,320/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,985
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,281
−HK$3,350/mo
Today · 4.125%
HK$112,631
baseline
▲ 0.50% · 4.625%
HK$119,484
+HK$6,853/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,262/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,907
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$121,069
−HK$3,208/mo
Today · 4.125%
HK$124,277
baseline
▲ 0.50% · 4.625%
HK$130,828
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,554/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,428 · Scale 2, in force from 26 Feb 2026)