LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,817
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,646
−HK$1,859/mo
Today · 4.125%
HK$62,505
baseline
▲ 0.50% · 4.625%
HK$66,308
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,010/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,433
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,188
−HK$1,780/mo
Today · 4.125%
HK$68,968
baseline
▲ 0.50% · 4.625%
HK$72,604
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,936/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,580
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,775
−HK$2,231/mo
Today · 4.125%
HK$75,006
baseline
▲ 0.50% · 4.625%
HK$79,570
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,012/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,520
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,625
−HK$2,137/mo
Today · 4.125%
HK$82,762
baseline
▲ 0.50% · 4.625%
HK$87,124
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,524/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,343
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,905
−HK$2,602/mo
Today · 4.125%
HK$87,507
baseline
▲ 0.50% · 4.625%
HK$92,832
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,014/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,606
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,063
−HK$2,492/mo
Today · 4.125%
HK$96,555
baseline
▲ 0.50% · 4.625%
HK$101,645
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,110/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,870
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,163
−HK$3,346/mo
Today · 4.125%
HK$112,509
baseline
▲ 0.50% · 4.625%
HK$119,355
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$225,018/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,779
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,938
−HK$3,205/mo
Today · 4.125%
HK$124,143
baseline
▲ 0.50% · 4.625%
HK$130,686
+HK$6,543/mo
Deposit HK$2.58M · loan HK$23.21M · min. income ≈ HK$248,286/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,241 · Scale 2, in force from 26 Feb 2026)