LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,930
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,763
−HK$1,863/mo
Today · 4.125%
HK$62,626
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,810/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,252/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,559
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,317
−HK$1,784/mo
Today · 4.125%
HK$69,101
baseline
▲ 0.50% · 4.625%
HK$72,743
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,202/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,716
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,916
−HK$2,235/mo
Today · 4.125%
HK$75,151
baseline
▲ 0.50% · 4.625%
HK$79,723
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,302/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,671
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,781
−HK$2,140/mo
Today · 4.125%
HK$82,921
baseline
▲ 0.50% · 4.625%
HK$87,292
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,842/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,502
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,068
−HK$2,608/mo
Today · 4.125%
HK$87,676
baseline
▲ 0.50% · 4.625%
HK$93,011
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,352/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,783
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,244
−HK$2,498/mo
Today · 4.125%
HK$96,742
baseline
▲ 0.50% · 4.625%
HK$101,841
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,484/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,074
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,374
−HK$3,352/mo
Today · 4.125%
HK$112,726
baseline
▲ 0.50% · 4.625%
HK$119,585
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,452/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,006
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,171
−HK$3,211/mo
Today · 4.125%
HK$124,382
baseline
▲ 0.50% · 4.625%
HK$130,938
+HK$6,556/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,764/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,354 · Scale 2, in force from 26 Feb 2026)