LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,911
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$60,743
−HK$1,862/mo
Today · 4.125%
HK$62,605
baseline
▲ 0.50% · 4.625%
HK$66,415
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,210/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,538
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,295
−HK$1,784/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$72,720
+HK$3,641/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,693
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$2,234/mo
Today · 4.125%
HK$75,126
baseline
▲ 0.50% · 4.625%
HK$79,697
+HK$4,571/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$150,252/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,645
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,755
−HK$2,139/mo
Today · 4.125%
HK$82,894
baseline
▲ 0.50% · 4.625%
HK$87,264
+HK$4,370/mo
Deposit HK$10.33M · loan HK$15.50M · min. income ≈ HK$165,788/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,475
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,041
−HK$2,606/mo
Today · 4.125%
HK$87,647
baseline
▲ 0.50% · 4.625%
HK$92,980
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$175,294/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,753
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,214
−HK$2,496/mo
Today · 4.125%
HK$96,710
baseline
▲ 0.50% · 4.625%
HK$101,808
+HK$5,098/mo
Deposit HK$7.75M · loan HK$18.08M · min. income ≈ HK$193,420/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,040
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$109,338
−HK$3,351/mo
Today · 4.125%
HK$112,689
baseline
▲ 0.50% · 4.625%
HK$119,546
+HK$6,857/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,378/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,968
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,132
−HK$3,209/mo
Today · 4.125%
HK$124,341
baseline
▲ 0.50% · 4.625%
HK$130,896
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,682/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,097,997 · Scale 2, in force from 26 Feb 2026)