LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,884
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,861/mo
Today · 4.125%
HK$62,576
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,152/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,507
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$1,783/mo
Today · 4.125%
HK$69,047
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$3,639/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,094/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,660
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$2,233/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,660
+HK$4,569/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,609
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,139/mo
Today · 4.125%
HK$82,856
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$4,367/mo
Deposit HK$10.33M · loan HK$15.49M · min. income ≈ HK$165,712/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,437
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,001
−HK$2,606/mo
Today · 4.125%
HK$87,607
baseline
▲ 0.50% · 4.625%
HK$92,937
+HK$5,330/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,214/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,710
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,170
−HK$2,495/mo
Today · 4.125%
HK$96,665
baseline
▲ 0.50% · 4.625%
HK$101,761
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,330/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,991
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$109,287
−HK$3,350/mo
Today · 4.125%
HK$112,637
baseline
▲ 0.50% · 4.625%
HK$119,491
+HK$6,854/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$225,274/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,913
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,076
−HK$3,208/mo
Today · 4.125%
HK$124,284
baseline
▲ 0.50% · 4.625%
HK$130,835
+HK$6,551/mo
Deposit HK$2.58M · loan HK$23.24M · min. income ≈ HK$248,568/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,488 · Scale 2, in force from 26 Feb 2026)