LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,938
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,863/mo
Today · 4.125%
HK$62,634
baseline
▲ 0.50% · 4.625%
HK$66,445
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,268/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,568
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$67,326
−HK$1,784/mo
Today · 4.125%
HK$69,110
baseline
▲ 0.50% · 4.625%
HK$72,753
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,220/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,726
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,926
−HK$2,235/mo
Today · 4.125%
HK$75,161
baseline
▲ 0.50% · 4.625%
HK$79,734
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,322/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,682
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,792
−HK$2,141/mo
Today · 4.125%
HK$82,933
baseline
▲ 0.50% · 4.625%
HK$87,304
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,866/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,513
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,080
−HK$2,608/mo
Today · 4.125%
HK$87,688
baseline
▲ 0.50% · 4.625%
HK$93,023
+HK$5,335/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,376/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,795
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,257
−HK$2,498/mo
Today · 4.125%
HK$96,755
baseline
▲ 0.50% · 4.625%
HK$101,855
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,510/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,089
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$109,388
−HK$3,353/mo
Today · 4.125%
HK$112,741
baseline
▲ 0.50% · 4.625%
HK$119,601
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,482/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,022
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,188
−HK$3,211/mo
Today · 4.125%
HK$124,399
baseline
▲ 0.50% · 4.625%
HK$130,956
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,798/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,503 · Scale 2, in force from 26 Feb 2026)