LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,973
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,808
−HK$1,864/mo
Today · 4.125%
HK$62,672
baseline
▲ 0.50% · 4.625%
HK$66,485
+HK$3,813/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,344/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,607
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,367
−HK$1,785/mo
Today · 4.125%
HK$69,152
baseline
▲ 0.50% · 4.625%
HK$72,797
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,304/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,768
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,969
−HK$2,237/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,782
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,729
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,840
−HK$2,142/mo
Today · 4.125%
HK$82,982
baseline
▲ 0.50% · 4.625%
HK$87,356
+HK$4,374/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,964/mo (50% DSR)
Upfront cash ≈ HK$11.44M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,563
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,131
−HK$2,609/mo
Today · 4.125%
HK$87,740
baseline
▲ 0.50% · 4.625%
HK$93,079
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$175,480/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,850
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,314
−HK$2,499/mo
Today · 4.125%
HK$96,813
baseline
▲ 0.50% · 4.625%
HK$101,916
+HK$5,103/mo
Deposit HK$7.76M · loan HK$18.10M · min. income ≈ HK$193,626/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,152
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,454
−HK$3,355/mo
Today · 4.125%
HK$112,809
baseline
▲ 0.50% · 4.625%
HK$119,673
+HK$6,864/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,618/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,093
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,260
−HK$3,213/mo
Today · 4.125%
HK$124,473
baseline
▲ 0.50% · 4.625%
HK$131,035
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,946/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,161 · Scale 2, in force from 26 Feb 2026)