LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,757
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,585
−HK$1,857/mo
Today · 4.125%
HK$62,442
baseline
▲ 0.50% · 4.625%
HK$66,241
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,884/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,367
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$67,120
−HK$1,778/mo
Today · 4.125%
HK$68,898
baseline
▲ 0.50% · 4.625%
HK$72,530
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,796/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,702
−HK$2,228/mo
Today · 4.125%
HK$74,930
baseline
▲ 0.50% · 4.625%
HK$79,489
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,860/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,440
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,544
−HK$2,134/mo
Today · 4.125%
HK$82,678
baseline
▲ 0.50% · 4.625%
HK$87,036
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,356/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,819
−HK$2,599/mo
Today · 4.125%
HK$87,418
baseline
▲ 0.50% · 4.625%
HK$92,737
+HK$5,319/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,836/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,513
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,968
−HK$2,489/mo
Today · 4.125%
HK$96,457
baseline
▲ 0.50% · 4.625%
HK$101,542
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,914/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,763
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$109,052
−HK$3,343/mo
Today · 4.125%
HK$112,395
baseline
▲ 0.50% · 4.625%
HK$119,234
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,790/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,660
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,815
−HK$3,202/mo
Today · 4.125%
HK$124,017
baseline
▲ 0.50% · 4.625%
HK$130,554
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,034/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,128 · Scale 2, in force from 26 Feb 2026)