LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,983
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$60,817
−HK$1,864/mo
Today · 4.125%
HK$62,681
baseline
▲ 0.50% · 4.625%
HK$66,495
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,362/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,618
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$67,377
−HK$1,786/mo
Today · 4.125%
HK$69,163
baseline
▲ 0.50% · 4.625%
HK$72,808
+HK$3,645/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,326/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,779
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,981
−HK$2,237/mo
Today · 4.125%
HK$75,218
baseline
▲ 0.50% · 4.625%
HK$79,794
+HK$4,576/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,436/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,741
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,853
−HK$2,142/mo
Today · 4.125%
HK$82,995
baseline
▲ 0.50% · 4.625%
HK$87,370
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$165,990/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,576
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,144
−HK$2,610/mo
Today · 4.125%
HK$87,754
baseline
▲ 0.50% · 4.625%
HK$93,093
+HK$5,339/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,508/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,865
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$94,328
−HK$2,500/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$101,932
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,169
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,471
−HK$3,355/mo
Today · 4.125%
HK$112,826
baseline
▲ 0.50% · 4.625%
HK$119,692
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,652/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,112
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,279
−HK$3,214/mo
Today · 4.125%
HK$124,493
baseline
▲ 0.50% · 4.625%
HK$131,055
+HK$6,562/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$248,986/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,332 · Scale 2, in force from 26 Feb 2026)