LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,826
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,859/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,443
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,199
−HK$1,780/mo
Today · 4.125%
HK$68,979
baseline
▲ 0.50% · 4.625%
HK$72,615
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,958/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,591
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,787
−HK$2,231/mo
Today · 4.125%
HK$75,018
baseline
▲ 0.50% · 4.625%
HK$79,583
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,036/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,638
−HK$2,137/mo
Today · 4.125%
HK$82,775
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,550/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,357
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,918
−HK$2,603/mo
Today · 4.125%
HK$87,521
baseline
▲ 0.50% · 4.625%
HK$92,846
+HK$5,325/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,042/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,621
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,078
−HK$2,493/mo
Today · 4.125%
HK$96,571
baseline
▲ 0.50% · 4.625%
HK$101,661
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,142/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,887
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,181
−HK$3,346/mo
Today · 4.125%
HK$112,527
baseline
▲ 0.50% · 4.625%
HK$119,374
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,054/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,798
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,958
−HK$3,205/mo
Today · 4.125%
HK$124,163
baseline
▲ 0.50% · 4.625%
HK$130,707
+HK$6,544/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,326/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,417 · Scale 2, in force from 26 Feb 2026)