LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,724
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$60,550
−HK$1,856/mo
Today · 4.125%
HK$62,406
baseline
▲ 0.50% · 4.625%
HK$66,203
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,812/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,329
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$1,778/mo
Today · 4.125%
HK$68,859
baseline
▲ 0.50% · 4.625%
HK$72,488
+HK$3,629/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,718/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,468
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$2,227/mo
Today · 4.125%
HK$74,887
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,774/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,395
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,498
−HK$2,133/mo
Today · 4.125%
HK$82,631
baseline
▲ 0.50% · 4.625%
HK$86,986
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,262/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,213
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,770
−HK$2,598/mo
Today · 4.125%
HK$87,368
baseline
▲ 0.50% · 4.625%
HK$92,685
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,736/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,461
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,914
−HK$2,488/mo
Today · 4.125%
HK$96,402
baseline
▲ 0.50% · 4.625%
HK$101,484
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,804/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,702
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$108,990
−HK$3,341/mo
Today · 4.125%
HK$112,331
baseline
▲ 0.50% · 4.625%
HK$119,166
+HK$6,835/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,662/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,593
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,747
−HK$3,199/mo
Today · 4.125%
HK$123,946
baseline
▲ 0.50% · 4.625%
HK$130,479
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,892/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,504 · Scale 2, in force from 26 Feb 2026)