LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,836
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,859/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$66,330
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,454
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,210
−HK$1,781/mo
Today · 4.125%
HK$68,991
baseline
▲ 0.50% · 4.625%
HK$72,627
+HK$3,636/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,982/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,603
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,799
−HK$2,232/mo
Today · 4.125%
HK$75,031
baseline
▲ 0.50% · 4.625%
HK$79,596
+HK$4,565/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,062/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,545
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,652
−HK$2,137/mo
Today · 4.125%
HK$82,789
baseline
▲ 0.50% · 4.625%
HK$87,153
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,578/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,370
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,933
−HK$2,603/mo
Today · 4.125%
HK$87,536
baseline
▲ 0.50% · 4.625%
HK$92,862
+HK$5,326/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,072/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,636
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,094
−HK$2,493/mo
Today · 4.125%
HK$96,587
baseline
▲ 0.50% · 4.625%
HK$101,678
+HK$5,091/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,174/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,905
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,199
−HK$3,347/mo
Today · 4.125%
HK$112,546
baseline
▲ 0.50% · 4.625%
HK$119,394
+HK$6,848/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,092/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,818
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,978
−HK$3,205/mo
Today · 4.125%
HK$124,183
baseline
▲ 0.50% · 4.625%
HK$130,729
+HK$6,546/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,366/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,600 · Scale 2, in force from 26 Feb 2026)