LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,828
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,859/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,446
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,201
−HK$1,781/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$72,618
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,594
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,790
−HK$2,231/mo
Today · 4.125%
HK$75,021
baseline
▲ 0.50% · 4.625%
HK$79,586
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,042/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,535
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,641
−HK$2,137/mo
Today · 4.125%
HK$82,778
baseline
▲ 0.50% · 4.625%
HK$87,141
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,556/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,360
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,922
−HK$2,602/mo
Today · 4.125%
HK$87,524
baseline
▲ 0.50% · 4.625%
HK$92,850
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,048/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,624
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,082
−HK$2,493/mo
Today · 4.125%
HK$96,575
baseline
▲ 0.50% · 4.625%
HK$101,665
+HK$5,090/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,150/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,891
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,185
−HK$3,346/mo
Today · 4.125%
HK$112,531
baseline
▲ 0.50% · 4.625%
HK$119,379
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,062/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,803
−HK$6,364/mo
▼ 0.25% · 3.875%
HK$120,962
−HK$3,205/mo
Today · 4.125%
HK$124,167
baseline
▲ 0.50% · 4.625%
HK$130,712
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,334/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,458 · Scale 2, in force from 26 Feb 2026)