LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,743
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,571
−HK$1,856/mo
Today · 4.125%
HK$62,427
baseline
▲ 0.50% · 4.625%
HK$66,226
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,854/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,351
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,104
−HK$1,778/mo
Today · 4.125%
HK$68,882
baseline
▲ 0.50% · 4.625%
HK$72,513
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,764/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,492
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,685
−HK$2,227/mo
Today · 4.125%
HK$74,912
baseline
▲ 0.50% · 4.625%
HK$79,471
+HK$4,559/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$149,824/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,422
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,525
−HK$2,133/mo
Today · 4.125%
HK$82,658
baseline
▲ 0.50% · 4.625%
HK$87,016
+HK$4,358/mo
Deposit HK$10.30M · loan HK$15.46M · min. income ≈ HK$165,316/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,241
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,799
−HK$2,599/mo
Today · 4.125%
HK$87,398
baseline
▲ 0.50% · 4.625%
HK$92,716
+HK$5,318/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$174,796/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,492
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,946
−HK$2,489/mo
Today · 4.125%
HK$96,435
baseline
▲ 0.50% · 4.625%
HK$101,518
+HK$5,083/mo
Deposit HK$7.73M · loan HK$18.03M · min. income ≈ HK$192,870/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,738
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,027
−HK$3,342/mo
Today · 4.125%
HK$112,369
baseline
▲ 0.50% · 4.625%
HK$119,206
+HK$6,837/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,738/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,632
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,787
−HK$3,201/mo
Today · 4.125%
HK$123,988
baseline
▲ 0.50% · 4.625%
HK$130,523
+HK$6,535/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$247,976/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,873 · Scale 2, in force from 26 Feb 2026)