LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,813
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,859/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$66,304
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,429
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$67,183
−HK$1,780/mo
Today · 4.125%
HK$68,963
baseline
▲ 0.50% · 4.625%
HK$72,599
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,926/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,575
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,771
−HK$2,230/mo
Today · 4.125%
HK$75,001
baseline
▲ 0.50% · 4.625%
HK$79,565
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,002/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,514
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,620
−HK$2,136/mo
Today · 4.125%
HK$82,756
baseline
▲ 0.50% · 4.625%
HK$87,118
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,512/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,338
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,899
−HK$2,602/mo
Today · 4.125%
HK$87,501
baseline
▲ 0.50% · 4.625%
HK$92,825
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$175,002/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,600
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,057
−HK$2,492/mo
Today · 4.125%
HK$96,549
baseline
▲ 0.50% · 4.625%
HK$101,638
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,098/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,863
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,156
−HK$3,345/mo
Today · 4.125%
HK$112,501
baseline
▲ 0.50% · 4.625%
HK$119,347
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,002/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,771
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,930
−HK$3,204/mo
Today · 4.125%
HK$124,134
baseline
▲ 0.50% · 4.625%
HK$130,677
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,268/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,167 · Scale 2, in force from 26 Feb 2026)