LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,959
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,792
−HK$1,864/mo
Today · 4.125%
HK$62,656
baseline
▲ 0.50% · 4.625%
HK$66,468
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,312/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,591
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$67,350
−HK$1,784/mo
Today · 4.125%
HK$69,134
baseline
▲ 0.50% · 4.625%
HK$72,779
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,268/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$2,236/mo
Today · 4.125%
HK$75,187
baseline
▲ 0.50% · 4.625%
HK$79,762
+HK$4,575/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,374/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,709
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,820
−HK$2,141/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,542
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,109
−HK$2,609/mo
Today · 4.125%
HK$87,718
baseline
▲ 0.50% · 4.625%
HK$93,056
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,436/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,827
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,290
−HK$2,498/mo
Today · 4.125%
HK$96,788
baseline
▲ 0.50% · 4.625%
HK$101,890
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,576/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,125
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,426
−HK$3,354/mo
Today · 4.125%
HK$112,780
baseline
▲ 0.50% · 4.625%
HK$119,643
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,560/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,063
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,230
−HK$3,212/mo
Today · 4.125%
HK$124,442
baseline
▲ 0.50% · 4.625%
HK$131,002
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,884/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,885 · Scale 2, in force from 26 Feb 2026)