LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,910
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,862/mo
Today · 4.125%
HK$62,604
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,809/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,208/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,536
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$1,783/mo
Today · 4.125%
HK$69,077
baseline
▲ 0.50% · 4.625%
HK$72,718
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,154/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,692
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,890
−HK$2,235/mo
Today · 4.125%
HK$75,125
baseline
▲ 0.50% · 4.625%
HK$79,696
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,250/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,644
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,753
−HK$2,140/mo
Today · 4.125%
HK$82,893
baseline
▲ 0.50% · 4.625%
HK$87,262
+HK$4,369/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,786/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,473
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,039
−HK$2,606/mo
Today · 4.125%
HK$87,645
baseline
▲ 0.50% · 4.625%
HK$92,978
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,290/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,751
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,212
−HK$2,496/mo
Today · 4.125%
HK$96,708
baseline
▲ 0.50% · 4.625%
HK$101,806
+HK$5,098/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,416/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,037
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,336
−HK$3,351/mo
Today · 4.125%
HK$112,687
baseline
▲ 0.50% · 4.625%
HK$119,544
+HK$6,857/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,374/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,965
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,129
−HK$3,210/mo
Today · 4.125%
HK$124,339
baseline
▲ 0.50% · 4.625%
HK$130,893
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,678/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,973 · Scale 2, in force from 26 Feb 2026)