LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,814
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,643
−HK$1,859/mo
Today · 4.125%
HK$62,502
baseline
▲ 0.50% · 4.625%
HK$66,305
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,004/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,430
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,184
−HK$1,781/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$72,600
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,576
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,772
−HK$2,230/mo
Today · 4.125%
HK$75,002
baseline
▲ 0.50% · 4.625%
HK$79,566
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,004/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,516
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,621
−HK$2,137/mo
Today · 4.125%
HK$82,758
baseline
▲ 0.50% · 4.625%
HK$87,120
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,516/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,339
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,900
−HK$2,603/mo
Today · 4.125%
HK$87,503
baseline
▲ 0.50% · 4.625%
HK$92,827
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$175,006/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,601
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,058
−HK$2,492/mo
Today · 4.125%
HK$96,550
baseline
▲ 0.50% · 4.625%
HK$101,640
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.05M · min. income ≈ HK$193,100/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,865
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,158
−HK$3,345/mo
Today · 4.125%
HK$112,503
baseline
▲ 0.50% · 4.625%
HK$119,349
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,006/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,773
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,932
−HK$3,204/mo
Today · 4.125%
HK$124,136
baseline
▲ 0.50% · 4.625%
HK$130,680
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,272/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,185 · Scale 2, in force from 26 Feb 2026)