LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,819
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,649
−HK$1,859/mo
Today · 4.125%
HK$62,508
baseline
▲ 0.50% · 4.625%
HK$66,311
+HK$3,803/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,016/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,436
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,191
−HK$1,780/mo
Today · 4.125%
HK$68,971
baseline
▲ 0.50% · 4.625%
HK$72,607
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,942/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,583
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,779
−HK$2,230/mo
Today · 4.125%
HK$75,009
baseline
▲ 0.50% · 4.625%
HK$79,573
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,018/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,523
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,629
−HK$2,136/mo
Today · 4.125%
HK$82,765
baseline
▲ 0.50% · 4.625%
HK$87,128
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,530/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,347
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,603/mo
Today · 4.125%
HK$87,511
baseline
▲ 0.50% · 4.625%
HK$92,836
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,022/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,610
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,067
−HK$2,492/mo
Today · 4.125%
HK$96,559
baseline
▲ 0.50% · 4.625%
HK$101,649
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,118/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,875
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,168
−HK$3,346/mo
Today · 4.125%
HK$112,514
baseline
▲ 0.50% · 4.625%
HK$119,360
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,028/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,784
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,943
−HK$3,205/mo
Today · 4.125%
HK$124,148
baseline
▲ 0.50% · 4.625%
HK$130,692
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,296/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,287 · Scale 2, in force from 26 Feb 2026)