LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,934
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$60,767
−HK$1,862/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$1,098,419 · 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$72,748
+HK$3,643/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$1,098,419 · 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$79,728
+HK$4,573/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$1,098,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,676
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,786
−HK$2,140/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$1,098,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,507
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,073
−HK$2,608/mo
Today · 4.125%
HK$87,681
baseline
▲ 0.50% · 4.625%
HK$93,016
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,362/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,788
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,250
−HK$2,497/mo
Today · 4.125%
HK$96,747
baseline
▲ 0.50% · 4.625%
HK$101,847
+HK$5,100/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$1,098,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,080
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,380
−HK$3,353/mo
Today · 4.125%
HK$112,733
baseline
▲ 0.50% · 4.625%
HK$119,592
+HK$6,859/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,466/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,013
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,178
−HK$3,211/mo
Today · 4.125%
HK$124,389
baseline
▲ 0.50% · 4.625%
HK$130,946
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,778/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,419 · Scale 2, in force from 26 Feb 2026)