LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,736
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,563
−HK$1,857/mo
Today · 4.125%
HK$62,420
baseline
▲ 0.50% · 4.625%
HK$66,218
+HK$3,798/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,840/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,344
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$67,096
−HK$1,778/mo
Today · 4.125%
HK$68,874
baseline
▲ 0.50% · 4.625%
HK$72,504
+HK$3,630/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,748/mo (50% DSR)
Upfront cash ≈ HK$13.97M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,484
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$2,228/mo
Today · 4.125%
HK$74,904
baseline
▲ 0.50% · 4.625%
HK$79,461
+HK$4,557/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$149,808/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,412
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,515
−HK$2,134/mo
Today · 4.125%
HK$82,649
baseline
▲ 0.50% · 4.625%
HK$87,005
+HK$4,356/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$165,298/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,231
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,789
−HK$2,599/mo
Today · 4.125%
HK$87,388
baseline
▲ 0.50% · 4.625%
HK$92,705
+HK$5,317/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,776/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,481
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,935
−HK$2,489/mo
Today · 4.125%
HK$96,424
baseline
▲ 0.50% · 4.625%
HK$101,506
+HK$5,082/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,848/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,726
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,014
−HK$3,341/mo
Today · 4.125%
HK$112,355
baseline
▲ 0.50% · 4.625%
HK$119,192
+HK$6,837/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$224,710/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,619
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,773
−HK$3,200/mo
Today · 4.125%
HK$123,973
baseline
▲ 0.50% · 4.625%
HK$130,508
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.18M · min. income ≈ HK$247,946/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,744 · Scale 2, in force from 26 Feb 2026)