LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,834
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,859/mo
Today · 4.125%
HK$62,524
baseline
▲ 0.50% · 4.625%
HK$66,328
+HK$3,804/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,048/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,453
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,208
−HK$1,781/mo
Today · 4.125%
HK$68,989
baseline
▲ 0.50% · 4.625%
HK$72,625
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,978/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,601
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,797
−HK$2,232/mo
Today · 4.125%
HK$75,029
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,058/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,543
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,650
−HK$2,137/mo
Today · 4.125%
HK$82,787
baseline
▲ 0.50% · 4.625%
HK$87,150
+HK$4,363/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,574/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,368
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,930
−HK$2,603/mo
Today · 4.125%
HK$87,533
baseline
▲ 0.50% · 4.625%
HK$92,860
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,066/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,634
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,091
−HK$2,493/mo
Today · 4.125%
HK$96,584
baseline
▲ 0.50% · 4.625%
HK$101,676
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,168/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,902
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,196
−HK$3,347/mo
Today · 4.125%
HK$112,543
baseline
▲ 0.50% · 4.625%
HK$119,391
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,086/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,815
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,975
−HK$3,205/mo
Today · 4.125%
HK$124,180
baseline
▲ 0.50% · 4.625%
HK$130,726
+HK$6,546/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,360/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,571 · Scale 2, in force from 26 Feb 2026)