LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,719
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,545
−HK$1,856/mo
Today · 4.125%
HK$62,401
baseline
▲ 0.50% · 4.625%
HK$66,198
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,802/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,324
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,076
−HK$1,777/mo
Today · 4.125%
HK$68,853
baseline
▲ 0.50% · 4.625%
HK$72,483
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,706/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,463
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,654
−HK$2,227/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$79,438
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,389
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,491
−HK$2,133/mo
Today · 4.125%
HK$82,624
baseline
▲ 0.50% · 4.625%
HK$86,979
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,248/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,206
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,763
−HK$2,598/mo
Today · 4.125%
HK$87,361
baseline
▲ 0.50% · 4.625%
HK$92,677
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,722/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,454
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,907
−HK$2,488/mo
Today · 4.125%
HK$96,395
baseline
▲ 0.50% · 4.625%
HK$101,476
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,790/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,694
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,982
−HK$3,340/mo
Today · 4.125%
HK$112,322
baseline
▲ 0.50% · 4.625%
HK$119,156
+HK$6,834/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,644/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,583
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,737
−HK$3,199/mo
Today · 4.125%
HK$123,936
baseline
▲ 0.50% · 4.625%
HK$130,469
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,872/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,417 · Scale 2, in force from 26 Feb 2026)