LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,803
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$60,632
−HK$1,858/mo
Today · 4.125%
HK$62,490
baseline
▲ 0.50% · 4.625%
HK$66,293
+HK$3,803/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,980/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,418
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,172
−HK$1,780/mo
Today · 4.125%
HK$68,952
baseline
▲ 0.50% · 4.625%
HK$72,586
+HK$3,634/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,904/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,563
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,758
−HK$2,230/mo
Today · 4.125%
HK$74,988
baseline
▲ 0.50% · 4.625%
HK$79,551
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,976/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,501
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,606
−HK$2,136/mo
Today · 4.125%
HK$82,742
baseline
▲ 0.50% · 4.625%
HK$87,104
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,484/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,324
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,885
−HK$2,601/mo
Today · 4.125%
HK$87,486
baseline
▲ 0.50% · 4.625%
HK$92,810
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,972/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,585
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,041
−HK$2,492/mo
Today · 4.125%
HK$96,533
baseline
▲ 0.50% · 4.625%
HK$101,621
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,066/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,845
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,137
−HK$3,345/mo
Today · 4.125%
HK$112,482
baseline
▲ 0.50% · 4.625%
HK$119,327
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,964/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,752
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,910
−HK$3,203/mo
Today · 4.125%
HK$124,113
baseline
▲ 0.50% · 4.625%
HK$130,655
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,226/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,982 · Scale 2, in force from 26 Feb 2026)