LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,762
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,857/mo
Today · 4.125%
HK$62,447
baseline
▲ 0.50% · 4.625%
HK$66,246
+HK$3,799/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$124,894/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,372
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,125
−HK$1,779/mo
Today · 4.125%
HK$68,904
baseline
▲ 0.50% · 4.625%
HK$72,536
+HK$3,632/mo
Deposit HK$12.88M · loan HK$12.88M · min. income ≈ HK$137,808/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,514
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$2,228/mo
Today · 4.125%
HK$74,936
baseline
▲ 0.50% · 4.625%
HK$79,496
+HK$4,560/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,872/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,446
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,550
−HK$2,135/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,043
+HK$4,358/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,267
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,825
−HK$2,600/mo
Today · 4.125%
HK$87,425
baseline
▲ 0.50% · 4.625%
HK$92,745
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,850/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,521
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,975
−HK$2,490/mo
Today · 4.125%
HK$96,465
baseline
▲ 0.50% · 4.625%
HK$101,550
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,930/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,771
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,061
−HK$3,343/mo
Today · 4.125%
HK$112,404
baseline
▲ 0.50% · 4.625%
HK$119,244
+HK$6,840/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,808/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,669
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,825
−HK$3,202/mo
Today · 4.125%
HK$124,027
baseline
▲ 0.50% · 4.625%
HK$130,564
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,054/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,218 · Scale 2, in force from 26 Feb 2026)