LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,815
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,645
−HK$1,859/mo
Today · 4.125%
HK$62,504
baseline
▲ 0.50% · 4.625%
HK$66,307
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,008/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,432
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,186
−HK$1,781/mo
Today · 4.125%
HK$68,967
baseline
▲ 0.50% · 4.625%
HK$72,602
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,934/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,579
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,774
−HK$2,230/mo
Today · 4.125%
HK$75,004
baseline
▲ 0.50% · 4.625%
HK$79,568
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,008/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,518
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,624
−HK$2,136/mo
Today · 4.125%
HK$82,760
baseline
▲ 0.50% · 4.625%
HK$87,122
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,520/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,342
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,903
−HK$2,602/mo
Today · 4.125%
HK$87,505
baseline
▲ 0.50% · 4.625%
HK$92,830
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,010/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,604
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,061
−HK$2,492/mo
Today · 4.125%
HK$96,553
baseline
▲ 0.50% · 4.625%
HK$101,643
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,106/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,868
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,161
−HK$3,346/mo
Today · 4.125%
HK$112,507
baseline
▲ 0.50% · 4.625%
HK$119,352
+HK$6,845/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,014/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,777
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,936
−HK$3,204/mo
Today · 4.125%
HK$124,140
baseline
▲ 0.50% · 4.625%
HK$130,684
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,280/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,218 · Scale 2, in force from 26 Feb 2026)