LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,831
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,661
−HK$1,859/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$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,449
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,204
−HK$1,781/mo
Today · 4.125%
HK$68,985
baseline
▲ 0.50% · 4.625%
HK$72,621
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,970/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,597
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,793
−HK$2,231/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$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,539
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,645
−HK$2,137/mo
Today · 4.125%
HK$82,782
baseline
▲ 0.50% · 4.625%
HK$87,146
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,564/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,363
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,925
−HK$2,603/mo
Today · 4.125%
HK$87,528
baseline
▲ 0.50% · 4.625%
HK$92,854
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,056/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,629
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,086
−HK$2,493/mo
Today · 4.125%
HK$96,579
baseline
▲ 0.50% · 4.625%
HK$101,670
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,158/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,896
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,190
−HK$3,347/mo
Today · 4.125%
HK$112,537
baseline
▲ 0.50% · 4.625%
HK$119,384
+HK$6,847/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,074/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,808
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,968
−HK$3,205/mo
Today · 4.125%
HK$124,173
baseline
▲ 0.50% · 4.625%
HK$130,718
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,346/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,509 · Scale 2, in force from 26 Feb 2026)