LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,959
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,793
−HK$1,864/mo
Today · 4.125%
HK$62,657
baseline
▲ 0.50% · 4.625%
HK$66,469
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,314/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,592
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,351
−HK$1,785/mo
Today · 4.125%
HK$69,136
baseline
▲ 0.50% · 4.625%
HK$72,780
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,272/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,751
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,952
−HK$2,236/mo
Today · 4.125%
HK$75,188
baseline
▲ 0.50% · 4.625%
HK$79,763
+HK$4,575/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,376/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,710
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,821
−HK$2,142/mo
Today · 4.125%
HK$82,963
baseline
▲ 0.50% · 4.625%
HK$87,336
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,926/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,543
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,111
−HK$2,608/mo
Today · 4.125%
HK$87,719
baseline
▲ 0.50% · 4.625%
HK$93,057
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,438/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,829
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,499/mo
Today · 4.125%
HK$96,790
baseline
▲ 0.50% · 4.625%
HK$101,892
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,580/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,127
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,428
−HK$3,354/mo
Today · 4.125%
HK$112,782
baseline
▲ 0.50% · 4.625%
HK$119,645
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,564/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,065
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,232
−HK$3,212/mo
Today · 4.125%
HK$124,444
baseline
▲ 0.50% · 4.625%
HK$131,004
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,888/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,902 · Scale 2, in force from 26 Feb 2026)