LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,750
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$60,577
−HK$1,857/mo
Today · 4.125%
HK$62,434
baseline
▲ 0.50% · 4.625%
HK$66,233
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,868/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,359
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,112
−HK$1,778/mo
Today · 4.125%
HK$68,890
baseline
▲ 0.50% · 4.625%
HK$72,521
+HK$3,631/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,780/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,500
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,693
−HK$2,228/mo
Today · 4.125%
HK$74,921
baseline
▲ 0.50% · 4.625%
HK$79,480
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,842/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,430
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,134/mo
Today · 4.125%
HK$82,668
baseline
▲ 0.50% · 4.625%
HK$87,025
+HK$4,357/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,336/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,250
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,808
−HK$2,600/mo
Today · 4.125%
HK$87,408
baseline
▲ 0.50% · 4.625%
HK$92,726
+HK$5,318/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,816/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,502
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,956
−HK$2,490/mo
Today · 4.125%
HK$96,446
baseline
▲ 0.50% · 4.625%
HK$101,530
+HK$5,084/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,892/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,750
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$109,039
−HK$3,342/mo
Today · 4.125%
HK$112,381
baseline
▲ 0.50% · 4.625%
HK$119,219
+HK$6,838/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,762/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,646
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,201/mo
Today · 4.125%
HK$124,002
baseline
▲ 0.50% · 4.625%
HK$130,538
+HK$6,536/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,004/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,094,997 · Scale 2, in force from 26 Feb 2026)