LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,923
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,755
−HK$1,863/mo
Today · 4.125%
HK$62,618
baseline
▲ 0.50% · 4.625%
HK$66,428
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,236/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,551
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,309
−HK$1,783/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$72,734
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,707
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,906
−HK$2,235/mo
Today · 4.125%
HK$75,141
baseline
▲ 0.50% · 4.625%
HK$79,713
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,282/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,661
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,771
−HK$2,140/mo
Today · 4.125%
HK$82,911
baseline
▲ 0.50% · 4.625%
HK$87,281
+HK$4,370/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,822/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,492
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,058
−HK$2,607/mo
Today · 4.125%
HK$87,665
baseline
▲ 0.50% · 4.625%
HK$92,999
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,330/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,771
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,232
−HK$2,497/mo
Today · 4.125%
HK$96,729
baseline
▲ 0.50% · 4.625%
HK$101,828
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,458/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,061
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,360
−HK$3,352/mo
Today · 4.125%
HK$112,712
baseline
▲ 0.50% · 4.625%
HK$119,570
+HK$6,858/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,424/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,991
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,156
−HK$3,210/mo
Today · 4.125%
HK$124,366
baseline
▲ 0.50% · 4.625%
HK$130,922
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,732/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,214 · Scale 2, in force from 26 Feb 2026)