LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,970
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$60,804
−HK$1,863/mo
Today · 4.125%
HK$62,667
baseline
▲ 0.50% · 4.625%
HK$66,481
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,334/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,603
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$67,362
−HK$1,785/mo
Today · 4.125%
HK$69,147
baseline
▲ 0.50% · 4.625%
HK$72,792
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,294/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,763
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,965
−HK$2,236/mo
Today · 4.125%
HK$75,201
baseline
▲ 0.50% · 4.625%
HK$79,777
+HK$4,576/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$150,402/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,724
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,835
−HK$2,142/mo
Today · 4.125%
HK$82,977
baseline
▲ 0.50% · 4.625%
HK$87,351
+HK$4,374/mo
Deposit HK$10.34M · loan HK$15.52M · min. income ≈ HK$165,954/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,557
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,125
−HK$2,609/mo
Today · 4.125%
HK$87,734
baseline
▲ 0.50% · 4.625%
HK$93,073
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,468/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,844
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,307
−HK$2,499/mo
Today · 4.125%
HK$96,806
baseline
▲ 0.50% · 4.625%
HK$101,909
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,612/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,145
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,447
−HK$3,354/mo
Today · 4.125%
HK$112,801
baseline
▲ 0.50% · 4.625%
HK$119,665
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$225,602/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,085
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,252
−HK$3,213/mo
Today · 4.125%
HK$124,465
baseline
▲ 0.50% · 4.625%
HK$131,026
+HK$6,561/mo
Deposit HK$2.59M · loan HK$23.27M · min. income ≈ HK$248,930/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,089 · Scale 2, in force from 26 Feb 2026)