LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,830
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,660
−HK$1,860/mo
Today · 4.125%
HK$62,520
baseline
▲ 0.50% · 4.625%
HK$66,324
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,040/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,448
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,204
−HK$1,780/mo
Today · 4.125%
HK$68,984
baseline
▲ 0.50% · 4.625%
HK$72,621
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,968/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,597
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,792
−HK$2,232/mo
Today · 4.125%
HK$75,024
baseline
▲ 0.50% · 4.625%
HK$79,589
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,048/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,538
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,644
−HK$2,137/mo
Today · 4.125%
HK$82,781
baseline
▲ 0.50% · 4.625%
HK$87,145
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,562/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,363
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,925
−HK$2,602/mo
Today · 4.125%
HK$87,527
baseline
▲ 0.50% · 4.625%
HK$92,853
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,054/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,628
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,085
−HK$2,493/mo
Today · 4.125%
HK$96,578
baseline
▲ 0.50% · 4.625%
HK$101,669
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,156/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,895
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$109,189
−HK$3,346/mo
Today · 4.125%
HK$112,535
baseline
▲ 0.50% · 4.625%
HK$119,383
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,070/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,807
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,966
−HK$3,206/mo
Today · 4.125%
HK$124,172
baseline
▲ 0.50% · 4.625%
HK$130,717
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,344/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,497 · Scale 2, in force from 26 Feb 2026)