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$66,414
+HK$3,810/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$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,537
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,295
−HK$1,783/mo
Today · 4.125%
HK$69,078
baseline
▲ 0.50% · 4.625%
HK$72,719
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,156/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,692
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,891
−HK$2,234/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$1,097,981 · 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$87,263
+HK$4,370/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$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,474
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,039
−HK$2,607/mo
Today · 4.125%
HK$87,646
baseline
▲ 0.50% · 4.625%
HK$92,979
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,292/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,752
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,212
−HK$2,497/mo
Today · 4.125%
HK$96,709
baseline
▲ 0.50% · 4.625%
HK$101,806
+HK$5,097/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,418/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,038
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,336
−HK$3,352/mo
Today · 4.125%
HK$112,688
baseline
▲ 0.50% · 4.625%
HK$119,544
+HK$6,856/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,376/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,966
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,130
−HK$3,210/mo
Today · 4.125%
HK$124,340
baseline
▲ 0.50% · 4.625%
HK$130,894
+HK$6,554/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,680/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,981 · Scale 2, in force from 26 Feb 2026)