LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,925
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,758
−HK$1,863/mo
Today · 4.125%
HK$62,621
baseline
▲ 0.50% · 4.625%
HK$66,431
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,242/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,554
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,312
−HK$1,784/mo
Today · 4.125%
HK$69,096
baseline
▲ 0.50% · 4.625%
HK$72,738
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,192/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,710
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,910
−HK$2,235/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,717
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,665
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,774
−HK$2,141/mo
Today · 4.125%
HK$82,915
baseline
▲ 0.50% · 4.625%
HK$87,285
+HK$4,370/mo
Deposit HK$10.34M · loan HK$15.50M · min. income ≈ HK$165,830/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,607/mo
Today · 4.125%
HK$87,669
baseline
▲ 0.50% · 4.625%
HK$93,003
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,338/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,775
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,237
−HK$2,497/mo
Today · 4.125%
HK$96,734
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,468/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,066
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$109,365
−HK$3,352/mo
Today · 4.125%
HK$112,717
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,434/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,997
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,162
−HK$3,210/mo
Today · 4.125%
HK$124,372
baseline
▲ 0.50% · 4.625%
HK$130,928
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,744/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,267 · Scale 2, in force from 26 Feb 2026)