LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,900
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,732
−HK$1,862/mo
Today · 4.125%
HK$62,594
baseline
▲ 0.50% · 4.625%
HK$66,402
+HK$3,808/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,188/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,526
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,283
−HK$1,783/mo
Today · 4.125%
HK$69,066
baseline
▲ 0.50% · 4.625%
HK$72,706
+HK$3,640/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,132/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,680
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,879
−HK$2,233/mo
Today · 4.125%
HK$75,112
baseline
▲ 0.50% · 4.625%
HK$79,683
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,224/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,631
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,740
−HK$2,139/mo
Today · 4.125%
HK$82,879
baseline
▲ 0.50% · 4.625%
HK$87,248
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,758/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,460
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,025
−HK$2,606/mo
Today · 4.125%
HK$87,631
baseline
▲ 0.50% · 4.625%
HK$92,963
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,262/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,736
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,196
−HK$2,496/mo
Today · 4.125%
HK$96,692
baseline
▲ 0.50% · 4.625%
HK$101,789
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,384/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,020
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,318
−HK$3,350/mo
Today · 4.125%
HK$112,668
baseline
▲ 0.50% · 4.625%
HK$119,524
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,336/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,946
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,109
−HK$3,209/mo
Today · 4.125%
HK$124,318
baseline
▲ 0.50% · 4.625%
HK$130,871
+HK$6,553/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,636/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,793 · Scale 2, in force from 26 Feb 2026)