LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,943
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,777
−HK$1,863/mo
Today · 4.125%
HK$62,640
baseline
▲ 0.50% · 4.625%
HK$66,451
+HK$3,811/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$125,280/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,574
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,333
−HK$1,784/mo
Today · 4.125%
HK$69,117
baseline
▲ 0.50% · 4.625%
HK$72,760
+HK$3,643/mo
Deposit HK$12.92M · loan HK$12.92M · min. income ≈ HK$138,234/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,732
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,932
−HK$2,236/mo
Today · 4.125%
HK$75,168
baseline
▲ 0.50% · 4.625%
HK$79,741
+HK$4,573/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,336/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,689
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,799
−HK$2,141/mo
Today · 4.125%
HK$82,940
baseline
▲ 0.50% · 4.625%
HK$87,312
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,880/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,521
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,088
−HK$2,608/mo
Today · 4.125%
HK$87,696
baseline
▲ 0.50% · 4.625%
HK$93,032
+HK$5,336/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$175,392/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,803
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,266
−HK$2,497/mo
Today · 4.125%
HK$96,763
baseline
▲ 0.50% · 4.625%
HK$101,864
+HK$5,101/mo
Deposit HK$7.75M · loan HK$18.09M · min. income ≈ HK$193,526/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,098
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,398
−HK$3,353/mo
Today · 4.125%
HK$112,751
baseline
▲ 0.50% · 4.625%
HK$119,612
+HK$6,861/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$225,502/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,033
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,199
−HK$3,211/mo
Today · 4.125%
HK$124,410
baseline
▲ 0.50% · 4.625%
HK$130,968
+HK$6,558/mo
Deposit HK$2.58M · loan HK$23.26M · min. income ≈ HK$248,820/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,602 · Scale 2, in force from 26 Feb 2026)