LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,928
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,761
−HK$1,862/mo
Today · 4.125%
HK$62,623
baseline
▲ 0.50% · 4.625%
HK$66,434
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,246/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,557
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,315
−HK$1,784/mo
Today · 4.125%
HK$69,099
baseline
▲ 0.50% · 4.625%
HK$72,741
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,198/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,714
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,913
−HK$2,235/mo
Today · 4.125%
HK$75,148
baseline
▲ 0.50% · 4.625%
HK$79,721
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,296/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,668
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,778
−HK$2,140/mo
Today · 4.125%
HK$82,918
baseline
▲ 0.50% · 4.625%
HK$87,289
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,836/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,499
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,065
−HK$2,608/mo
Today · 4.125%
HK$87,673
baseline
▲ 0.50% · 4.625%
HK$93,007
+HK$5,334/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,346/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,780
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$94,241
−HK$2,497/mo
Today · 4.125%
HK$96,738
baseline
▲ 0.50% · 4.625%
HK$101,837
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,476/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,070
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,370
−HK$3,352/mo
Today · 4.125%
HK$112,722
baseline
▲ 0.50% · 4.625%
HK$119,581
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,444/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,002
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,167
−HK$3,211/mo
Today · 4.125%
HK$124,378
baseline
▲ 0.50% · 4.625%
HK$130,934
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,756/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,316 · Scale 2, in force from 26 Feb 2026)