LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,834
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,859/mo
Today · 4.125%
HK$62,523
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,046/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,452
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,207
−HK$1,781/mo
Today · 4.125%
HK$68,988
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,976/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,600
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,231/mo
Today · 4.125%
HK$75,028
baseline
▲ 0.50% · 4.625%
HK$79,593
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,056/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,542
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,137/mo
Today · 4.125%
HK$82,786
baseline
▲ 0.50% · 4.625%
HK$87,149
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,572/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,367
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,603/mo
Today · 4.125%
HK$87,532
baseline
▲ 0.50% · 4.625%
HK$92,859
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,064/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,633
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,090
−HK$2,493/mo
Today · 4.125%
HK$96,583
baseline
▲ 0.50% · 4.625%
HK$101,674
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,166/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,901
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,195
−HK$3,347/mo
Today · 4.125%
HK$112,542
baseline
▲ 0.50% · 4.625%
HK$119,390
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,084/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,814
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,973
−HK$3,206/mo
Today · 4.125%
HK$124,179
baseline
▲ 0.50% · 4.625%
HK$130,724
+HK$6,545/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,358/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,559 · Scale 2, in force from 26 Feb 2026)