LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,908
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,740
−HK$1,862/mo
Today · 4.125%
HK$62,602
baseline
▲ 0.50% · 4.625%
HK$66,411
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,204/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,534
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,292
−HK$1,783/mo
Today · 4.125%
HK$69,075
baseline
▲ 0.50% · 4.625%
HK$72,716
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,150/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,689
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,888
−HK$2,234/mo
Today · 4.125%
HK$75,122
baseline
▲ 0.50% · 4.625%
HK$79,693
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,244/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,641
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,750
−HK$2,140/mo
Today · 4.125%
HK$82,890
baseline
▲ 0.50% · 4.625%
HK$87,259
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,780/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,471
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,036
−HK$2,606/mo
Today · 4.125%
HK$87,642
baseline
▲ 0.50% · 4.625%
HK$92,975
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,284/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,748
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,209
−HK$2,496/mo
Today · 4.125%
HK$96,705
baseline
▲ 0.50% · 4.625%
HK$101,802
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,410/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,034
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,332
−HK$3,351/mo
Today · 4.125%
HK$112,683
baseline
▲ 0.50% · 4.625%
HK$119,540
+HK$6,857/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,366/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,962
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,125
−HK$3,210/mo
Today · 4.125%
HK$124,335
baseline
▲ 0.50% · 4.625%
HK$130,889
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,670/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,937 · Scale 2, in force from 26 Feb 2026)