LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,981
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,816
−HK$1,864/mo
Today · 4.125%
HK$62,680
baseline
▲ 0.50% · 4.625%
HK$66,494
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,360/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,616
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,376
−HK$1,785/mo
Today · 4.125%
HK$69,161
baseline
▲ 0.50% · 4.625%
HK$72,806
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,322/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,777
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,979
−HK$2,237/mo
Today · 4.125%
HK$75,216
baseline
▲ 0.50% · 4.625%
HK$79,792
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,432/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,739
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,851
−HK$2,142/mo
Today · 4.125%
HK$82,993
baseline
▲ 0.50% · 4.625%
HK$87,368
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,986/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,573
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,142
−HK$2,609/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$93,091
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,862
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,326
−HK$2,499/mo
Today · 4.125%
HK$96,825
baseline
▲ 0.50% · 4.625%
HK$101,929
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,650/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,166
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,468
−HK$3,355/mo
Today · 4.125%
HK$112,823
baseline
▲ 0.50% · 4.625%
HK$119,688
+HK$6,865/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,646/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,108
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,276
−HK$3,213/mo
Today · 4.125%
HK$124,489
baseline
▲ 0.50% · 4.625%
HK$131,051
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,978/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,303 · Scale 2, in force from 26 Feb 2026)