LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,998
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,833
−HK$1,865/mo
Today · 4.125%
HK$62,698
baseline
▲ 0.50% · 4.625%
HK$66,513
+HK$3,815/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$125,396/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,635
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,395
−HK$1,786/mo
Today · 4.125%
HK$69,181
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$3,646/mo
Deposit HK$12.94M · loan HK$12.94M · min. income ≈ HK$138,362/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$2,237/mo
Today · 4.125%
HK$75,237
baseline
▲ 0.50% · 4.625%
HK$79,815
+HK$4,578/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$150,474/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,761
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,874
−HK$2,143/mo
Today · 4.125%
HK$83,017
baseline
▲ 0.50% · 4.625%
HK$87,393
+HK$4,376/mo
Deposit HK$10.35M · loan HK$15.52M · min. income ≈ HK$166,034/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,597
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,166
−HK$2,611/mo
Today · 4.125%
HK$87,777
baseline
▲ 0.50% · 4.625%
HK$93,118
+HK$5,341/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$175,554/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,888
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,353
−HK$2,500/mo
Today · 4.125%
HK$96,853
baseline
▲ 0.50% · 4.625%
HK$101,958
+HK$5,105/mo
Deposit HK$7.76M · loan HK$18.11M · min. income ≈ HK$193,706/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,196
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,500
−HK$3,356/mo
Today · 4.125%
HK$112,856
baseline
▲ 0.50% · 4.625%
HK$119,723
+HK$6,867/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$225,712/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,142
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$121,311
−HK$3,214/mo
Today · 4.125%
HK$124,525
baseline
▲ 0.50% · 4.625%
HK$131,089
+HK$6,564/mo
Deposit HK$2.59M · loan HK$23.29M · min. income ≈ HK$249,050/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$1,099,618 · Scale 2, in force from 26 Feb 2026)