LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,919
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,752
−HK$1,862/mo
Today · 4.125%
HK$62,614
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,228/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,547
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,305
−HK$1,783/mo
Today · 4.125%
HK$69,088
baseline
▲ 0.50% · 4.625%
HK$72,730
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,176/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,703
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,902
−HK$2,235/mo
Today · 4.125%
HK$75,137
baseline
▲ 0.50% · 4.625%
HK$79,709
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,274/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,656
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,766
−HK$2,140/mo
Today · 4.125%
HK$82,906
baseline
▲ 0.50% · 4.625%
HK$87,276
+HK$4,370/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,812/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,487
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,053
−HK$2,607/mo
Today · 4.125%
HK$87,660
baseline
▲ 0.50% · 4.625%
HK$92,993
+HK$5,333/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,320/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,766
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,227
−HK$2,497/mo
Today · 4.125%
HK$96,724
baseline
▲ 0.50% · 4.625%
HK$101,822
+HK$5,098/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,448/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,055
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,353
−HK$3,352/mo
Today · 4.125%
HK$112,705
baseline
▲ 0.50% · 4.625%
HK$119,563
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$225,410/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,985
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,149
−HK$3,210/mo
Today · 4.125%
HK$124,359
baseline
▲ 0.50% · 4.625%
HK$130,914
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.25M · min. income ≈ HK$248,718/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,151 · Scale 2, in force from 26 Feb 2026)