LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,946
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,780
−HK$1,863/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$66,454
+HK$3,811/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,286/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,577
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$1,784/mo
Today · 4.125%
HK$69,120
baseline
▲ 0.50% · 4.625%
HK$72,764
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,240/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,736
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,936
−HK$2,235/mo
Today · 4.125%
HK$75,171
baseline
▲ 0.50% · 4.625%
HK$79,745
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,342/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,693
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,803
−HK$2,141/mo
Today · 4.125%
HK$82,944
baseline
▲ 0.50% · 4.625%
HK$87,316
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,888/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,525
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,092
−HK$2,608/mo
Today · 4.125%
HK$87,700
baseline
▲ 0.50% · 4.625%
HK$93,036
+HK$5,336/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,400/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,808
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,270
−HK$2,498/mo
Today · 4.125%
HK$96,768
baseline
▲ 0.50% · 4.625%
HK$101,869
+HK$5,101/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,536/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,103
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,404
−HK$3,353/mo
Today · 4.125%
HK$112,757
baseline
▲ 0.50% · 4.625%
HK$119,618
+HK$6,861/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,514/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,039
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,205
−HK$3,211/mo
Today · 4.125%
HK$124,416
baseline
▲ 0.50% · 4.625%
HK$130,974
+HK$6,558/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,832/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,658 · Scale 2, in force from 26 Feb 2026)