LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,824
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,654
−HK$1,859/mo
Today · 4.125%
HK$62,513
baseline
▲ 0.50% · 4.625%
HK$66,317
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,026/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,441
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$1,781/mo
Today · 4.125%
HK$68,977
baseline
▲ 0.50% · 4.625%
HK$72,613
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,954/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,589
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$72,785
−HK$2,230/mo
Today · 4.125%
HK$75,015
baseline
▲ 0.50% · 4.625%
HK$79,580
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,030/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,529
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,636
−HK$2,136/mo
Today · 4.125%
HK$82,772
baseline
▲ 0.50% · 4.625%
HK$87,135
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,544/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,354
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,915
−HK$2,603/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,843
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,618
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,075
−HK$2,493/mo
Today · 4.125%
HK$96,568
baseline
▲ 0.50% · 4.625%
HK$101,658
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,136/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,883
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,177
−HK$3,346/mo
Today · 4.125%
HK$112,523
baseline
▲ 0.50% · 4.625%
HK$119,370
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,046/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,794
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,953
−HK$3,205/mo
Today · 4.125%
HK$124,158
baseline
▲ 0.50% · 4.625%
HK$130,703
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,316/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,379 · Scale 2, in force from 26 Feb 2026)