LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,921
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,753
−HK$1,863/mo
Today · 4.125%
HK$62,616
baseline
▲ 0.50% · 4.625%
HK$66,426
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,232/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,549
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,307
−HK$1,783/mo
Today · 4.125%
HK$69,090
baseline
▲ 0.50% · 4.625%
HK$72,732
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,180/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,705
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,904
−HK$2,235/mo
Today · 4.125%
HK$75,139
baseline
▲ 0.50% · 4.625%
HK$79,711
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,278/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,658
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,768
−HK$2,140/mo
Today · 4.125%
HK$82,908
baseline
▲ 0.50% · 4.625%
HK$87,278
+HK$4,370/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,816/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,489
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,055
−HK$2,607/mo
Today · 4.125%
HK$87,662
baseline
▲ 0.50% · 4.625%
HK$92,996
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,324/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,768
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,229
−HK$2,497/mo
Today · 4.125%
HK$96,726
baseline
▲ 0.50% · 4.625%
HK$101,825
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,452/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,057
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,356
−HK$3,352/mo
Today · 4.125%
HK$112,708
baseline
▲ 0.50% · 4.625%
HK$119,566
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,416/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,988
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$121,152
−HK$3,210/mo
Today · 4.125%
HK$124,362
baseline
▲ 0.50% · 4.625%
HK$130,917
+HK$6,555/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,724/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,180 · Scale 2, in force from 26 Feb 2026)