LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,933
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,863/mo
Today · 4.125%
HK$62,629
baseline
▲ 0.50% · 4.625%
HK$66,440
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,258/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,563
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$1,784/mo
Today · 4.125%
HK$69,105
baseline
▲ 0.50% · 4.625%
HK$72,747
+HK$3,642/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,210/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,720
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,920
−HK$2,235/mo
Today · 4.125%
HK$75,155
baseline
▲ 0.50% · 4.625%
HK$79,727
+HK$4,572/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,310/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,675
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,785
−HK$2,141/mo
Today · 4.125%
HK$82,926
baseline
▲ 0.50% · 4.625%
HK$87,297
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,852/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,506
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,607/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$93,015
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,249
−HK$2,498/mo
Today · 4.125%
HK$96,747
baseline
▲ 0.50% · 4.625%
HK$101,846
+HK$5,099/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,494/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,080
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,379
−HK$3,353/mo
Today · 4.125%
HK$112,732
baseline
▲ 0.50% · 4.625%
HK$119,591
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,464/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,013
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$121,178
−HK$3,210/mo
Today · 4.125%
HK$124,388
baseline
▲ 0.50% · 4.625%
HK$130,945
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,776/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,411 · Scale 2, in force from 26 Feb 2026)