LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,940
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,773
−HK$1,863/mo
Today · 4.125%
HK$62,636
baseline
▲ 0.50% · 4.625%
HK$66,447
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,272/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,570
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$1,784/mo
Today · 4.125%
HK$69,113
baseline
▲ 0.50% · 4.625%
HK$72,756
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,226/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,728
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,928
−HK$2,235/mo
Today · 4.125%
HK$75,163
baseline
▲ 0.50% · 4.625%
HK$79,737
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,326/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,684
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,794
−HK$2,141/mo
Today · 4.125%
HK$82,935
baseline
▲ 0.50% · 4.625%
HK$87,307
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,870/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,516
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,083
−HK$2,607/mo
Today · 4.125%
HK$87,690
baseline
▲ 0.50% · 4.625%
HK$93,026
+HK$5,336/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,380/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,798
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,260
−HK$2,498/mo
Today · 4.125%
HK$96,758
baseline
▲ 0.50% · 4.625%
HK$101,858
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,516/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,092
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,392
−HK$3,353/mo
Today · 4.125%
HK$112,745
baseline
▲ 0.50% · 4.625%
HK$119,605
+HK$6,860/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,490/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,026
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,192
−HK$3,211/mo
Today · 4.125%
HK$124,403
baseline
▲ 0.50% · 4.625%
HK$130,960
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,806/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,538 · Scale 2, in force from 26 Feb 2026)