LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,897
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,729
−HK$1,862/mo
Today · 4.125%
HK$62,591
baseline
▲ 0.50% · 4.625%
HK$66,399
+HK$3,808/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$125,182/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,523
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,280
−HK$1,783/mo
Today · 4.125%
HK$69,063
baseline
▲ 0.50% · 4.625%
HK$72,703
+HK$3,640/mo
Deposit HK$12.91M · loan HK$12.91M · min. income ≈ HK$138,126/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,677
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,875
−HK$2,234/mo
Today · 4.125%
HK$75,109
baseline
▲ 0.50% · 4.625%
HK$79,679
+HK$4,570/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,218/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,627
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,736
−HK$2,139/mo
Today · 4.125%
HK$82,875
baseline
▲ 0.50% · 4.625%
HK$87,244
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,750/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,456
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,021
−HK$2,606/mo
Today · 4.125%
HK$87,627
baseline
▲ 0.50% · 4.625%
HK$92,959
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,254/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,732
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,192
−HK$2,496/mo
Today · 4.125%
HK$96,688
baseline
▲ 0.50% · 4.625%
HK$101,784
+HK$5,096/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,376/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,015
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,313
−HK$3,350/mo
Today · 4.125%
HK$112,663
baseline
▲ 0.50% · 4.625%
HK$119,519
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,326/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,941
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,104
−HK$3,209/mo
Today · 4.125%
HK$124,313
baseline
▲ 0.50% · 4.625%
HK$130,865
+HK$6,552/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,626/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,744 · Scale 2, in force from 26 Feb 2026)