LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,799
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,628
−HK$1,858/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$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,413
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,168
−HK$1,779/mo
Today · 4.125%
HK$68,947
baseline
▲ 0.50% · 4.625%
HK$72,582
+HK$3,635/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$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,559
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,754
−HK$2,229/mo
Today · 4.125%
HK$74,983
baseline
▲ 0.50% · 4.625%
HK$79,546
+HK$4,563/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$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,496
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,601
−HK$2,136/mo
Today · 4.125%
HK$82,737
baseline
▲ 0.50% · 4.625%
HK$87,098
+HK$4,361/mo
Deposit HK$10.31M · loan HK$15.47M · min. income ≈ HK$165,474/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,319
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,879
−HK$2,602/mo
Today · 4.125%
HK$87,481
baseline
▲ 0.50% · 4.625%
HK$92,804
+HK$5,323/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,962/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,579
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,035
−HK$2,491/mo
Today · 4.125%
HK$96,526
baseline
▲ 0.50% · 4.625%
HK$101,614
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,052/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,838
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,130
−HK$3,345/mo
Today · 4.125%
HK$112,475
baseline
▲ 0.50% · 4.625%
HK$119,319
+HK$6,844/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,950/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,744
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,902
−HK$3,203/mo
Today · 4.125%
HK$124,105
baseline
▲ 0.50% · 4.625%
HK$130,647
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,210/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,912 · Scale 2, in force from 26 Feb 2026)