LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,924
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,757
−HK$1,863/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$66,430
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,553
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$67,311
−HK$1,783/mo
Today · 4.125%
HK$69,094
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,188/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,709
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,909
−HK$2,234/mo
Today · 4.125%
HK$75,143
baseline
▲ 0.50% · 4.625%
HK$79,716
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,286/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,663
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,773
−HK$2,140/mo
Today · 4.125%
HK$82,913
baseline
▲ 0.50% · 4.625%
HK$87,284
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,826/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,494
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,060
−HK$2,607/mo
Today · 4.125%
HK$87,667
baseline
▲ 0.50% · 4.625%
HK$93,002
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,334/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,774
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,235
−HK$2,497/mo
Today · 4.125%
HK$96,732
baseline
▲ 0.50% · 4.625%
HK$101,831
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,464/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,064
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,363
−HK$3,352/mo
Today · 4.125%
HK$112,715
baseline
▲ 0.50% · 4.625%
HK$119,574
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,430/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,995
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,160
−HK$3,210/mo
Today · 4.125%
HK$124,370
baseline
▲ 0.50% · 4.625%
HK$130,926
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,740/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,249 · Scale 2, in force from 26 Feb 2026)