LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,723
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,549
−HK$1,856/mo
Today · 4.125%
HK$62,405
baseline
▲ 0.50% · 4.625%
HK$66,202
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,810/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,329
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$1,777/mo
Today · 4.125%
HK$68,858
baseline
▲ 0.50% · 4.625%
HK$72,488
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,716/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,659
−HK$2,227/mo
Today · 4.125%
HK$74,886
baseline
▲ 0.50% · 4.625%
HK$79,443
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,772/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,394
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,497
−HK$2,133/mo
Today · 4.125%
HK$82,630
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,260/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,212
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,769
−HK$2,598/mo
Today · 4.125%
HK$87,367
baseline
▲ 0.50% · 4.625%
HK$92,683
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,734/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,460
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,913
−HK$2,488/mo
Today · 4.125%
HK$96,401
baseline
▲ 0.50% · 4.625%
HK$101,483
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,802/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,701
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,989
−HK$3,340/mo
Today · 4.125%
HK$112,329
baseline
▲ 0.50% · 4.625%
HK$119,164
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,658/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,591
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,745
−HK$3,199/mo
Today · 4.125%
HK$123,944
baseline
▲ 0.50% · 4.625%
HK$130,478
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,888/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,491 · Scale 2, in force from 26 Feb 2026)