LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,980
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,815
−HK$1,864/mo
Today · 4.125%
HK$62,679
baseline
▲ 0.50% · 4.625%
HK$66,493
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,358/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,615
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,375
−HK$1,785/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$72,805
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,776
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,978
−HK$2,237/mo
Today · 4.125%
HK$75,215
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,430/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,738
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,850
−HK$2,142/mo
Today · 4.125%
HK$82,992
baseline
▲ 0.50% · 4.625%
HK$87,367
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,984/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,572
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,609/mo
Today · 4.125%
HK$87,750
baseline
▲ 0.50% · 4.625%
HK$93,090
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,500/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,861
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,325
−HK$2,499/mo
Today · 4.125%
HK$96,824
baseline
▲ 0.50% · 4.625%
HK$101,928
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,648/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,164
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,467
−HK$3,355/mo
Today · 4.125%
HK$112,822
baseline
▲ 0.50% · 4.625%
HK$119,687
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,644/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,107
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,274
−HK$3,214/mo
Today · 4.125%
HK$124,488
baseline
▲ 0.50% · 4.625%
HK$131,050
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,976/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,290 · Scale 2, in force from 26 Feb 2026)