LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,790
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,619
−HK$1,858/mo
Today · 4.125%
HK$62,477
baseline
▲ 0.50% · 4.625%
HK$66,278
+HK$3,801/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,954/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,403
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,157
−HK$1,780/mo
Today · 4.125%
HK$68,937
baseline
▲ 0.50% · 4.625%
HK$72,570
+HK$3,633/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,874/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,742
−HK$2,230/mo
Today · 4.125%
HK$74,972
baseline
▲ 0.50% · 4.625%
HK$79,534
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,944/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,484
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,135/mo
Today · 4.125%
HK$82,724
baseline
▲ 0.50% · 4.625%
HK$87,085
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,448/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,306
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,866
−HK$2,601/mo
Today · 4.125%
HK$87,467
baseline
▲ 0.50% · 4.625%
HK$92,789
+HK$5,322/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$174,934/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,564
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,020
−HK$2,491/mo
Today · 4.125%
HK$96,511
baseline
▲ 0.50% · 4.625%
HK$101,599
+HK$5,088/mo
Deposit HK$7.73M · loan HK$18.05M · min. income ≈ HK$193,022/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,822
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$109,114
−HK$3,344/mo
Today · 4.125%
HK$112,458
baseline
▲ 0.50% · 4.625%
HK$119,301
+HK$6,843/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$224,916/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,726
−HK$6,360/mo
▼ 0.25% · 3.875%
HK$120,883
−HK$3,203/mo
Today · 4.125%
HK$124,086
baseline
▲ 0.50% · 4.625%
HK$130,627
+HK$6,541/mo
Deposit HK$2.58M · loan HK$23.20M · min. income ≈ HK$248,172/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,742 · Scale 2, in force from 26 Feb 2026)