LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,947
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$60,781
−HK$1,862/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$66,455
+HK$3,812/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$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,578
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,337
−HK$1,784/mo
Today · 4.125%
HK$69,121
baseline
▲ 0.50% · 4.625%
HK$72,764
+HK$3,643/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,242/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,736
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,937
−HK$2,235/mo
Today · 4.125%
HK$75,172
baseline
▲ 0.50% · 4.625%
HK$79,746
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,344/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,694
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,804
−HK$2,141/mo
Today · 4.125%
HK$82,945
baseline
▲ 0.50% · 4.625%
HK$87,317
+HK$4,372/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,890/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,526
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,093
−HK$2,608/mo
Today · 4.125%
HK$87,701
baseline
▲ 0.50% · 4.625%
HK$93,037
+HK$5,336/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,402/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,809
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,271
−HK$2,498/mo
Today · 4.125%
HK$96,769
baseline
▲ 0.50% · 4.625%
HK$101,870
+HK$5,101/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,538/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,105
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$109,405
−HK$3,353/mo
Today · 4.125%
HK$112,758
baseline
▲ 0.50% · 4.625%
HK$119,619
+HK$6,861/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,516/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,040
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,206
−HK$3,212/mo
Today · 4.125%
HK$124,418
baseline
▲ 0.50% · 4.625%
HK$130,976
+HK$6,558/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,836/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,670 · Scale 2, in force from 26 Feb 2026)