LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,798
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,859/mo
Today · 4.125%
HK$62,486
baseline
▲ 0.50% · 4.625%
HK$66,288
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,972/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,413
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,167
−HK$1,780/mo
Today · 4.125%
HK$68,947
baseline
▲ 0.50% · 4.625%
HK$72,581
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,894/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,558
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,753
−HK$2,230/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$79,545
+HK$4,562/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$149,966/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,495
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,600
−HK$2,136/mo
Today · 4.125%
HK$82,736
baseline
▲ 0.50% · 4.625%
HK$87,097
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,472/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,318
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,878
−HK$2,602/mo
Today · 4.125%
HK$87,480
baseline
▲ 0.50% · 4.625%
HK$92,803
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,960/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,578
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,034
−HK$2,491/mo
Today · 4.125%
HK$96,525
baseline
▲ 0.50% · 4.625%
HK$101,613
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,050/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,837
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,129
−HK$3,345/mo
Today · 4.125%
HK$112,474
baseline
▲ 0.50% · 4.625%
HK$119,318
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,948/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,743
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,901
−HK$3,203/mo
Today · 4.125%
HK$124,104
baseline
▲ 0.50% · 4.625%
HK$130,646
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,208/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,901 · Scale 2, in force from 26 Feb 2026)