LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,905
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,737
−HK$1,862/mo
Today · 4.125%
HK$62,599
baseline
▲ 0.50% · 4.625%
HK$66,407
+HK$3,808/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,198/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,531
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$67,288
−HK$1,783/mo
Today · 4.125%
HK$69,071
baseline
▲ 0.50% · 4.625%
HK$72,712
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,142/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,686
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,884
−HK$2,234/mo
Today · 4.125%
HK$75,118
baseline
▲ 0.50% · 4.625%
HK$79,689
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,236/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,637
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,746
−HK$2,140/mo
Today · 4.125%
HK$82,886
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,772/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,467
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,032
−HK$2,606/mo
Today · 4.125%
HK$87,638
baseline
▲ 0.50% · 4.625%
HK$92,970
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,276/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,743
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,204
−HK$2,496/mo
Today · 4.125%
HK$96,700
baseline
▲ 0.50% · 4.625%
HK$101,797
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,400/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,028
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,326
−HK$3,351/mo
Today · 4.125%
HK$112,677
baseline
▲ 0.50% · 4.625%
HK$119,533
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,354/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,956
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,119
−HK$3,209/mo
Today · 4.125%
HK$124,328
baseline
▲ 0.50% · 4.625%
HK$130,882
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,656/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,881 · Scale 2, in force from 26 Feb 2026)