LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,967
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,801
−HK$1,864/mo
Today · 4.125%
HK$62,665
baseline
▲ 0.50% · 4.625%
HK$66,478
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,330/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,600
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,360
−HK$1,785/mo
Today · 4.125%
HK$69,145
baseline
▲ 0.50% · 4.625%
HK$72,789
+HK$3,644/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,290/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,761
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,962
−HK$2,236/mo
Today · 4.125%
HK$75,198
baseline
▲ 0.50% · 4.625%
HK$79,774
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$150,396/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,721
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,832
−HK$2,142/mo
Today · 4.125%
HK$82,974
baseline
▲ 0.50% · 4.625%
HK$87,347
+HK$4,373/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$165,948/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,554
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,122
−HK$2,609/mo
Today · 4.125%
HK$87,731
baseline
▲ 0.50% · 4.625%
HK$93,069
+HK$5,338/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,462/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,841
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,304
−HK$2,499/mo
Today · 4.125%
HK$96,803
baseline
▲ 0.50% · 4.625%
HK$101,905
+HK$5,102/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,606/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,141
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,443
−HK$3,354/mo
Today · 4.125%
HK$112,797
baseline
▲ 0.50% · 4.625%
HK$119,660
+HK$6,863/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,594/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,081
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,248
−HK$3,212/mo
Today · 4.125%
HK$124,460
baseline
▲ 0.50% · 4.625%
HK$131,021
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,920/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,047 · Scale 2, in force from 26 Feb 2026)