LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,906
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,738
−HK$1,862/mo
Today · 4.125%
HK$62,600
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,200/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,532
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,290
−HK$1,783/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$72,714
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,687
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,886
−HK$2,234/mo
Today · 4.125%
HK$75,120
baseline
▲ 0.50% · 4.625%
HK$79,691
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,240/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,639
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,748
−HK$2,139/mo
Today · 4.125%
HK$82,887
baseline
▲ 0.50% · 4.625%
HK$87,256
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,774/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,468
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,034
−HK$2,606/mo
Today · 4.125%
HK$87,640
baseline
▲ 0.50% · 4.625%
HK$92,972
+HK$5,332/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,280/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,745
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,206
−HK$2,496/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$101,799
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,031
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,329
−HK$3,351/mo
Today · 4.125%
HK$112,680
baseline
▲ 0.50% · 4.625%
HK$119,536
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,360/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,958
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,122
−HK$3,209/mo
Today · 4.125%
HK$124,331
baseline
▲ 0.50% · 4.625%
HK$130,885
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,662/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,904 · Scale 2, in force from 26 Feb 2026)