LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,786
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$60,614
−HK$1,858/mo
Today · 4.125%
HK$62,472
baseline
▲ 0.50% · 4.625%
HK$66,273
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,944/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,398
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,152
−HK$1,780/mo
Today · 4.125%
HK$68,932
baseline
▲ 0.50% · 4.625%
HK$72,565
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,864/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,543
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,737
−HK$2,229/mo
Today · 4.125%
HK$74,966
baseline
▲ 0.50% · 4.625%
HK$79,528
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,932/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,478
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,583
−HK$2,135/mo
Today · 4.125%
HK$82,718
baseline
▲ 0.50% · 4.625%
HK$87,078
+HK$4,360/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,436/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,300
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,860
−HK$2,601/mo
Today · 4.125%
HK$87,461
baseline
▲ 0.50% · 4.625%
HK$92,782
+HK$5,321/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,922/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,558
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,013
−HK$2,491/mo
Today · 4.125%
HK$96,504
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,087/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,008/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,814
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$109,105
−HK$3,344/mo
Today · 4.125%
HK$112,449
baseline
▲ 0.50% · 4.625%
HK$119,292
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,898/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,717
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,874
−HK$3,203/mo
Today · 4.125%
HK$124,077
baseline
▲ 0.50% · 4.625%
HK$130,617
+HK$6,540/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,154/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,661 · Scale 2, in force from 26 Feb 2026)