LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,806
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,635
−HK$1,859/mo
Today · 4.125%
HK$62,494
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,802/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,988/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,421
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,175
−HK$1,780/mo
Today · 4.125%
HK$68,955
baseline
▲ 0.50% · 4.625%
HK$72,590
+HK$3,635/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,910/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,567
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,762
−HK$2,230/mo
Today · 4.125%
HK$74,992
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$149,984/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,505
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,611
−HK$2,136/mo
Today · 4.125%
HK$82,747
baseline
▲ 0.50% · 4.625%
HK$87,108
+HK$4,361/mo
Deposit HK$10.32M · loan HK$15.47M · min. income ≈ HK$165,494/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,328
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,889
−HK$2,602/mo
Today · 4.125%
HK$87,491
baseline
▲ 0.50% · 4.625%
HK$92,815
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$174,982/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,589
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,492/mo
Today · 4.125%
HK$96,538
baseline
▲ 0.50% · 4.625%
HK$101,626
+HK$5,088/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,076/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,851
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,143
−HK$3,345/mo
Today · 4.125%
HK$112,488
baseline
▲ 0.50% · 4.625%
HK$119,333
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,976/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,758
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,916
−HK$3,204/mo
Today · 4.125%
HK$124,120
baseline
▲ 0.50% · 4.625%
HK$130,662
+HK$6,542/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,240/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,096,039 · Scale 2, in force from 26 Feb 2026)