LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,727
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$60,554
−HK$1,856/mo
Today · 4.125%
HK$62,410
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,797/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,820/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,333
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,085
−HK$1,778/mo
Today · 4.125%
HK$68,863
baseline
▲ 0.50% · 4.625%
HK$72,493
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,726/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,472
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,665
−HK$2,227/mo
Today · 4.125%
HK$74,892
baseline
▲ 0.50% · 4.625%
HK$79,449
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$149,784/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,400
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,502
−HK$2,134/mo
Today · 4.125%
HK$82,636
baseline
▲ 0.50% · 4.625%
HK$86,991
+HK$4,355/mo
Deposit HK$10.30M · loan HK$15.45M · min. income ≈ HK$165,272/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,218
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,775
−HK$2,599/mo
Today · 4.125%
HK$87,374
baseline
▲ 0.50% · 4.625%
HK$92,690
+HK$5,316/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,748/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,466
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,920
−HK$2,488/mo
Today · 4.125%
HK$96,408
baseline
▲ 0.50% · 4.625%
HK$101,490
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,816/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,709
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$108,997
−HK$3,340/mo
Today · 4.125%
HK$112,337
baseline
▲ 0.50% · 4.625%
HK$119,173
+HK$6,836/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,674/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,600
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$120,754
−HK$3,199/mo
Today · 4.125%
HK$123,953
baseline
▲ 0.50% · 4.625%
HK$130,487
+HK$6,534/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,906/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,570 · Scale 2, in force from 26 Feb 2026)