LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,961
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,795
−HK$1,863/mo
Today · 4.125%
HK$62,658
baseline
▲ 0.50% · 4.625%
HK$66,470
+HK$3,812/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,316/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,593
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,352
−HK$1,785/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$72,781
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,953
−HK$2,236/mo
Today · 4.125%
HK$75,189
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,378/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,712
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,823
−HK$2,141/mo
Today · 4.125%
HK$82,964
baseline
▲ 0.50% · 4.625%
HK$87,337
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,928/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,545
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,609/mo
Today · 4.125%
HK$87,721
baseline
▲ 0.50% · 4.625%
HK$93,059
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,442/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,830
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,293
−HK$2,499/mo
Today · 4.125%
HK$96,792
baseline
▲ 0.50% · 4.625%
HK$101,894
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,584/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,129
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,430
−HK$3,354/mo
Today · 4.125%
HK$112,784
baseline
▲ 0.50% · 4.625%
HK$119,647
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,568/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,067
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,234
−HK$3,212/mo
Today · 4.125%
HK$124,446
baseline
▲ 0.50% · 4.625%
HK$131,006
+HK$6,560/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,892/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,922 · Scale 2, in force from 26 Feb 2026)