LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,895
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,727
−HK$1,862/mo
Today · 4.125%
HK$62,589
baseline
▲ 0.50% · 4.625%
HK$66,397
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,178/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,521
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,278
−HK$1,783/mo
Today · 4.125%
HK$69,061
baseline
▲ 0.50% · 4.625%
HK$72,701
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,122/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,675
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,873
−HK$2,234/mo
Today · 4.125%
HK$75,107
baseline
▲ 0.50% · 4.625%
HK$79,677
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,214/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,625
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,733
−HK$2,140/mo
Today · 4.125%
HK$82,873
baseline
▲ 0.50% · 4.625%
HK$87,241
+HK$4,368/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,746/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,454
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,018
−HK$2,606/mo
Today · 4.125%
HK$87,624
baseline
▲ 0.50% · 4.625%
HK$92,956
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,248/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,729
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,189
−HK$2,496/mo
Today · 4.125%
HK$96,685
baseline
▲ 0.50% · 4.625%
HK$101,781
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,370/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,012
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,309
−HK$3,351/mo
Today · 4.125%
HK$112,660
baseline
▲ 0.50% · 4.625%
HK$119,515
+HK$6,855/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,320/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,937
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,100
−HK$3,209/mo
Today · 4.125%
HK$124,309
baseline
▲ 0.50% · 4.625%
HK$130,861
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,618/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,710 · Scale 2, in force from 26 Feb 2026)