LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,942
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,775
−HK$1,863/mo
Today · 4.125%
HK$62,638
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,276/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,572
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$1,784/mo
Today · 4.125%
HK$69,115
baseline
▲ 0.50% · 4.625%
HK$72,758
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,230/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,730
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,930
−HK$2,235/mo
Today · 4.125%
HK$75,165
baseline
▲ 0.50% · 4.625%
HK$79,739
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,330/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,686
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,797
−HK$2,141/mo
Today · 4.125%
HK$82,938
baseline
▲ 0.50% · 4.625%
HK$87,309
+HK$4,371/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,876/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,518
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,085
−HK$2,608/mo
Today · 4.125%
HK$87,693
baseline
▲ 0.50% · 4.625%
HK$93,029
+HK$5,336/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,386/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,801
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,263
−HK$2,498/mo
Today · 4.125%
HK$96,761
baseline
▲ 0.50% · 4.625%
HK$101,861
+HK$5,100/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,522/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,095
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,395
−HK$3,353/mo
Today · 4.125%
HK$112,748
baseline
▲ 0.50% · 4.625%
HK$119,609
+HK$6,861/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,496/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,030
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,195
−HK$3,212/mo
Today · 4.125%
HK$124,407
baseline
▲ 0.50% · 4.625%
HK$130,964
+HK$6,557/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,814/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,571 · Scale 2, in force from 26 Feb 2026)