LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,784
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,613
−HK$1,857/mo
Today · 4.125%
HK$62,470
baseline
▲ 0.50% · 4.625%
HK$66,271
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,940/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,397
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$67,151
−HK$1,779/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$72,563
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,541
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,735
−HK$2,229/mo
Today · 4.125%
HK$74,964
baseline
▲ 0.50% · 4.625%
HK$79,526
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,928/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,476
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,581
−HK$2,135/mo
Today · 4.125%
HK$82,716
baseline
▲ 0.50% · 4.625%
HK$87,076
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,432/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,298
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,858
−HK$2,600/mo
Today · 4.125%
HK$87,458
baseline
▲ 0.50% · 4.625%
HK$92,780
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,916/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,555
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,011
−HK$2,491/mo
Today · 4.125%
HK$96,502
baseline
▲ 0.50% · 4.625%
HK$101,588
+HK$5,086/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,004/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,811
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,103
−HK$3,344/mo
Today · 4.125%
HK$112,447
baseline
▲ 0.50% · 4.625%
HK$119,289
+HK$6,842/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,894/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,714
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,871
−HK$3,203/mo
Today · 4.125%
HK$124,074
baseline
▲ 0.50% · 4.625%
HK$130,614
+HK$6,540/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,148/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,632 · Scale 2, in force from 26 Feb 2026)