LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,842
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,672
−HK$1,860/mo
Today · 4.125%
HK$62,532
baseline
▲ 0.50% · 4.625%
HK$66,337
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,064/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,461
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,217
−HK$1,781/mo
Today · 4.125%
HK$68,998
baseline
▲ 0.50% · 4.625%
HK$72,635
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$137,996/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,610
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,807
−HK$2,231/mo
Today · 4.125%
HK$75,038
baseline
▲ 0.50% · 4.625%
HK$79,604
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,076/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,553
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$80,660
−HK$2,137/mo
Today · 4.125%
HK$82,797
baseline
▲ 0.50% · 4.625%
HK$87,162
+HK$4,365/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,594/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,379
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,941
−HK$2,604/mo
Today · 4.125%
HK$87,545
baseline
▲ 0.50% · 4.625%
HK$92,872
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,090/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,646
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,103
−HK$2,494/mo
Today · 4.125%
HK$96,597
baseline
▲ 0.50% · 4.625%
HK$101,689
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,194/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,916
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,210
−HK$3,347/mo
Today · 4.125%
HK$112,557
baseline
▲ 0.50% · 4.625%
HK$119,406
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$225,114/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,830
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,990
−HK$3,206/mo
Today · 4.125%
HK$124,196
baseline
▲ 0.50% · 4.625%
HK$130,743
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.22M · min. income ≈ HK$248,392/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,712 · Scale 2, in force from 26 Feb 2026)