LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,894
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,861/mo
Today · 4.125%
HK$62,587
baseline
▲ 0.50% · 4.625%
HK$66,396
+HK$3,809/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,174/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,519
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,276
−HK$1,783/mo
Today · 4.125%
HK$69,059
baseline
▲ 0.50% · 4.625%
HK$72,699
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,118/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,673
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,871
−HK$2,234/mo
Today · 4.125%
HK$75,105
baseline
▲ 0.50% · 4.625%
HK$79,675
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,210/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,623
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,732
−HK$2,139/mo
Today · 4.125%
HK$82,871
baseline
▲ 0.50% · 4.625%
HK$87,239
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,742/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,452
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,017
−HK$2,605/mo
Today · 4.125%
HK$87,622
baseline
▲ 0.50% · 4.625%
HK$92,954
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,244/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,727
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,187
−HK$2,496/mo
Today · 4.125%
HK$96,683
baseline
▲ 0.50% · 4.625%
HK$101,779
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,366/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,010
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$109,307
−HK$3,350/mo
Today · 4.125%
HK$112,657
baseline
▲ 0.50% · 4.625%
HK$119,512
+HK$6,855/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,314/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,935
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$121,098
−HK$3,208/mo
Today · 4.125%
HK$124,306
baseline
▲ 0.50% · 4.625%
HK$130,859
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,612/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,686 · Scale 2, in force from 26 Feb 2026)