LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,935
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,863/mo
Today · 4.125%
HK$62,631
baseline
▲ 0.50% · 4.625%
HK$66,442
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,262/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,565
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,323
−HK$1,784/mo
Today · 4.125%
HK$69,107
baseline
▲ 0.50% · 4.625%
HK$72,750
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,214/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,722
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,922
−HK$2,235/mo
Today · 4.125%
HK$75,157
baseline
▲ 0.50% · 4.625%
HK$79,730
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,314/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,678
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,788
−HK$2,140/mo
Today · 4.125%
HK$82,928
baseline
▲ 0.50% · 4.625%
HK$87,300
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,856/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,076
−HK$2,607/mo
Today · 4.125%
HK$87,683
baseline
▲ 0.50% · 4.625%
HK$93,018
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,366/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,791
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,252
−HK$2,498/mo
Today · 4.125%
HK$96,750
baseline
▲ 0.50% · 4.625%
HK$101,850
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,500/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,083
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,383
−HK$3,352/mo
Today · 4.125%
HK$112,735
baseline
▲ 0.50% · 4.625%
HK$119,595
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,470/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,016
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$121,182
−HK$3,210/mo
Today · 4.125%
HK$124,392
baseline
▲ 0.50% · 4.625%
HK$130,949
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,784/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,448 · Scale 2, in force from 26 Feb 2026)