LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,812
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,641
−HK$1,859/mo
Today · 4.125%
HK$62,500
baseline
▲ 0.50% · 4.625%
HK$66,303
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,000/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,427
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,182
−HK$1,780/mo
Today · 4.125%
HK$68,962
baseline
▲ 0.50% · 4.625%
HK$72,597
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,924/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,574
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,769
−HK$2,231/mo
Today · 4.125%
HK$75,000
baseline
▲ 0.50% · 4.625%
HK$79,563
+HK$4,563/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,000/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,513
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,619
−HK$2,136/mo
Today · 4.125%
HK$82,755
baseline
▲ 0.50% · 4.625%
HK$87,117
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,510/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,336
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,897
−HK$2,603/mo
Today · 4.125%
HK$87,500
baseline
▲ 0.50% · 4.625%
HK$92,824
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$175,000/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,598
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,055
−HK$2,492/mo
Today · 4.125%
HK$96,547
baseline
▲ 0.50% · 4.625%
HK$101,636
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,094/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,861
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,154
−HK$3,345/mo
Today · 4.125%
HK$112,499
baseline
▲ 0.50% · 4.625%
HK$119,345
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$224,998/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,769
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,928
−HK$3,204/mo
Today · 4.125%
HK$124,132
baseline
▲ 0.50% · 4.625%
HK$130,675
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,264/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,147 · Scale 2, in force from 26 Feb 2026)