LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,949
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,783
−HK$1,863/mo
Today · 4.125%
HK$62,646
baseline
▲ 0.50% · 4.625%
HK$66,458
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,292/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,581
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,339
−HK$1,785/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$72,767
+HK$3,643/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,739
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,940
−HK$2,235/mo
Today · 4.125%
HK$75,175
baseline
▲ 0.50% · 4.625%
HK$79,749
+HK$4,574/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,350/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,697
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,807
−HK$2,141/mo
Today · 4.125%
HK$82,948
baseline
▲ 0.50% · 4.625%
HK$87,321
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,896/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,529
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,096
−HK$2,608/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$93,041
+HK$5,337/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,813
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,275
−HK$2,498/mo
Today · 4.125%
HK$96,773
baseline
▲ 0.50% · 4.625%
HK$101,874
+HK$5,101/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,546/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,109
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,409
−HK$3,354/mo
Today · 4.125%
HK$112,763
baseline
▲ 0.50% · 4.625%
HK$119,624
+HK$6,861/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,526/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,045
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$121,211
−HK$3,212/mo
Today · 4.125%
HK$124,423
baseline
▲ 0.50% · 4.625%
HK$130,981
+HK$6,558/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,846/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,714 · Scale 2, in force from 26 Feb 2026)