LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,979
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,813
−HK$1,864/mo
Today · 4.125%
HK$62,677
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,354/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,613
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,373
−HK$1,785/mo
Today · 4.125%
HK$69,158
baseline
▲ 0.50% · 4.625%
HK$72,803
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,316/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,774
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,976
−HK$2,237/mo
Today · 4.125%
HK$75,213
baseline
▲ 0.50% · 4.625%
HK$79,789
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,426/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,736
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,847
−HK$2,143/mo
Today · 4.125%
HK$82,990
baseline
▲ 0.50% · 4.625%
HK$87,364
+HK$4,374/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,980/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,570
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,138
−HK$2,610/mo
Today · 4.125%
HK$87,748
baseline
▲ 0.50% · 4.625%
HK$93,087
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,496/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,858
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,322
−HK$2,499/mo
Today · 4.125%
HK$96,821
baseline
▲ 0.50% · 4.625%
HK$101,925
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,642/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,162
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,464
−HK$3,355/mo
Today · 4.125%
HK$112,819
baseline
▲ 0.50% · 4.625%
HK$119,684
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,638/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,104
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$121,271
−HK$3,213/mo
Today · 4.125%
HK$124,484
baseline
▲ 0.50% · 4.625%
HK$131,046
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,968/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,259 · Scale 2, in force from 26 Feb 2026)