LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,821
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$60,650
−HK$1,859/mo
Today · 4.125%
HK$62,509
baseline
▲ 0.50% · 4.625%
HK$66,313
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,018/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,437
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,192
−HK$1,781/mo
Today · 4.125%
HK$68,973
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$3,635/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,946/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,585
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,780
−HK$2,231/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$79,575
+HK$4,564/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,022/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,525
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,631
−HK$2,136/mo
Today · 4.125%
HK$82,767
baseline
▲ 0.50% · 4.625%
HK$87,130
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,534/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,349
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,910
−HK$2,603/mo
Today · 4.125%
HK$87,513
baseline
▲ 0.50% · 4.625%
HK$92,838
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,026/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,612
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,069
−HK$2,493/mo
Today · 4.125%
HK$96,562
baseline
▲ 0.50% · 4.625%
HK$101,652
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,124/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,877
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$109,170
−HK$3,346/mo
Today · 4.125%
HK$112,516
baseline
▲ 0.50% · 4.625%
HK$119,363
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,032/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,787
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,946
−HK$3,205/mo
Today · 4.125%
HK$124,151
baseline
▲ 0.50% · 4.625%
HK$130,695
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,302/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,314 · Scale 2, in force from 26 Feb 2026)