LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,899
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,731
−HK$1,862/mo
Today · 4.125%
HK$62,593
baseline
▲ 0.50% · 4.625%
HK$66,401
+HK$3,808/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,186/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,525
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,282
−HK$1,783/mo
Today · 4.125%
HK$69,065
baseline
▲ 0.50% · 4.625%
HK$72,705
+HK$3,640/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,130/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,679
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,878
−HK$2,233/mo
Today · 4.125%
HK$75,111
baseline
▲ 0.50% · 4.625%
HK$79,682
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,222/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,630
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,739
−HK$2,139/mo
Today · 4.125%
HK$82,878
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,756/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,459
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,024
−HK$2,606/mo
Today · 4.125%
HK$87,630
baseline
▲ 0.50% · 4.625%
HK$92,962
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,260/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,735
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,195
−HK$2,496/mo
Today · 4.125%
HK$96,691
baseline
▲ 0.50% · 4.625%
HK$101,788
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,382/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,019
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,317
−HK$3,350/mo
Today · 4.125%
HK$112,667
baseline
▲ 0.50% · 4.625%
HK$119,523
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,334/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,945
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,108
−HK$3,209/mo
Today · 4.125%
HK$124,317
baseline
▲ 0.50% · 4.625%
HK$130,870
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,634/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,780 · Scale 2, in force from 26 Feb 2026)