LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,988
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$60,822
−HK$1,865/mo
Today · 4.125%
HK$62,687
baseline
▲ 0.50% · 4.625%
HK$66,501
+HK$3,814/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$125,374/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,623
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,383
−HK$1,786/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$72,815
+HK$3,646/mo
Deposit HK$12.93M · loan HK$12.93M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,785
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,987
−HK$2,237/mo
Today · 4.125%
HK$75,224
baseline
▲ 0.50% · 4.625%
HK$79,801
+HK$4,577/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,448/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,748
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,860
−HK$2,142/mo
Today · 4.125%
HK$83,002
baseline
▲ 0.50% · 4.625%
HK$87,377
+HK$4,375/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,004/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,583
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$85,151
−HK$2,610/mo
Today · 4.125%
HK$87,761
baseline
▲ 0.50% · 4.625%
HK$93,101
+HK$5,340/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,522/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,872
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,336
−HK$2,500/mo
Today · 4.125%
HK$96,836
baseline
▲ 0.50% · 4.625%
HK$101,940
+HK$5,104/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,672/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,178
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$109,480
−HK$3,356/mo
Today · 4.125%
HK$112,836
baseline
▲ 0.50% · 4.625%
HK$119,702
+HK$6,866/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$225,672/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,122
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,290
−HK$3,213/mo
Today · 4.125%
HK$124,503
baseline
▲ 0.50% · 4.625%
HK$131,066
+HK$6,563/mo
Deposit HK$2.59M · loan HK$23.28M · min. income ≈ HK$249,006/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,427 · Scale 2, in force from 26 Feb 2026)