LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,814
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,644
−HK$1,859/mo
Today · 4.125%
HK$62,503
baseline
▲ 0.50% · 4.625%
HK$66,306
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,006/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,430
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,185
−HK$1,780/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$72,601
+HK$3,636/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$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,577
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,773
−HK$2,230/mo
Today · 4.125%
HK$75,003
baseline
▲ 0.50% · 4.625%
HK$79,567
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,006/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,622
−HK$2,137/mo
Today · 4.125%
HK$82,759
baseline
▲ 0.50% · 4.625%
HK$87,121
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,518/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,340
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,901
−HK$2,603/mo
Today · 4.125%
HK$87,504
baseline
▲ 0.50% · 4.625%
HK$92,828
+HK$5,324/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,008/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,603
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,059
−HK$2,493/mo
Today · 4.125%
HK$96,552
baseline
▲ 0.50% · 4.625%
HK$101,641
+HK$5,089/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,104/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,866
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,159
−HK$3,346/mo
Today · 4.125%
HK$112,505
baseline
▲ 0.50% · 4.625%
HK$119,350
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,010/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,775
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,933
−HK$3,205/mo
Today · 4.125%
HK$124,138
baseline
▲ 0.50% · 4.625%
HK$130,681
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,276/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,198 · Scale 2, in force from 26 Feb 2026)