LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,962
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,796
−HK$1,863/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$66,472
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,594
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,353
−HK$1,785/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$72,782
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,754
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,955
−HK$2,236/mo
Today · 4.125%
HK$75,191
baseline
▲ 0.50% · 4.625%
HK$79,766
+HK$4,575/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$150,382/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,713
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,824
−HK$2,142/mo
Today · 4.125%
HK$82,966
baseline
▲ 0.50% · 4.625%
HK$87,339
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.51M · min. income ≈ HK$165,932/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,546
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,114
−HK$2,609/mo
Today · 4.125%
HK$87,723
baseline
▲ 0.50% · 4.625%
HK$93,060
+HK$5,337/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,446/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,832
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,295
−HK$2,498/mo
Today · 4.125%
HK$96,793
baseline
▲ 0.50% · 4.625%
HK$101,895
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,586/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,131
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$109,432
−HK$3,354/mo
Today · 4.125%
HK$112,786
baseline
▲ 0.50% · 4.625%
HK$119,649
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,572/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,070
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,236
−HK$3,213/mo
Today · 4.125%
HK$124,449
baseline
▲ 0.50% · 4.625%
HK$131,008
+HK$6,559/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,898/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,098,943 · Scale 2, in force from 26 Feb 2026)