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$66,204
+HK$3,798/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$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,330
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$1,777/mo
Today · 4.125%
HK$68,859
baseline
▲ 0.50% · 4.625%
HK$72,489
+HK$3,630/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$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,661
−HK$2,227/mo
Today · 4.125%
HK$74,888
baseline
▲ 0.50% · 4.625%
HK$79,444
+HK$4,556/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,776/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,498
−HK$2,133/mo
Today · 4.125%
HK$82,631
baseline
▲ 0.50% · 4.625%
HK$86,987
+HK$4,356/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$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,213
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,771
−HK$2,598/mo
Today · 4.125%
HK$87,369
baseline
▲ 0.50% · 4.625%
HK$92,685
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,738/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,461
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,914
−HK$2,489/mo
Today · 4.125%
HK$96,403
baseline
▲ 0.50% · 4.625%
HK$101,484
+HK$5,081/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,806/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,703
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,991
−HK$3,340/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$1,094,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,593
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,747
−HK$3,200/mo
Today · 4.125%
HK$123,947
baseline
▲ 0.50% · 4.625%
HK$130,480
+HK$6,533/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,894/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,509 · Scale 2, in force from 26 Feb 2026)