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$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,438
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$67,193
−HK$1,780/mo
Today · 4.125%
HK$68,973
baseline
▲ 0.50% · 4.625%
HK$72,609
+HK$3,636/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$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,585
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,781
−HK$2,230/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$79,576
+HK$4,565/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$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,525
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,631
−HK$2,137/mo
Today · 4.125%
HK$82,768
baseline
▲ 0.50% · 4.625%
HK$87,130
+HK$4,362/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,536/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,349
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,911
−HK$2,602/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$8.84M (deposit + AVD stamp duty HK$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,613
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,070
−HK$2,492/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$8.84M (deposit + AVD stamp duty HK$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,877
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,171
−HK$3,346/mo
Today · 4.125%
HK$112,517
baseline
▲ 0.50% · 4.625%
HK$119,363
+HK$6,846/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,034/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,788
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$120,947
−HK$3,204/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$1,096,318 · Scale 2, in force from 26 Feb 2026)