LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,844
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$60,675
−HK$1,859/mo
Today · 4.125%
HK$62,534
baseline
▲ 0.50% · 4.625%
HK$66,339
+HK$3,805/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$125,068/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,464
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$67,219
−HK$1,782/mo
Today · 4.125%
HK$69,001
baseline
▲ 0.50% · 4.625%
HK$72,638
+HK$3,637/mo
Deposit HK$12.90M · loan HK$12.90M · min. income ≈ HK$138,002/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,613
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$72,810
−HK$2,231/mo
Today · 4.125%
HK$75,041
baseline
▲ 0.50% · 4.625%
HK$79,607
+HK$4,566/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$150,082/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,556
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,663
−HK$2,138/mo
Today · 4.125%
HK$82,801
baseline
▲ 0.50% · 4.625%
HK$87,165
+HK$4,364/mo
Deposit HK$10.32M · loan HK$15.48M · min. income ≈ HK$165,602/mo (50% DSR)
Upfront cash ≈ HK$11.42M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,382
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,945
−HK$2,603/mo
Today · 4.125%
HK$87,548
baseline
▲ 0.50% · 4.625%
HK$92,875
+HK$5,327/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$175,096/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,649
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$94,107
−HK$2,494/mo
Today · 4.125%
HK$96,601
baseline
▲ 0.50% · 4.625%
HK$101,693
+HK$5,092/mo
Deposit HK$7.74M · loan HK$18.06M · min. income ≈ HK$193,202/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,920
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,214
−HK$3,348/mo
Today · 4.125%
HK$112,562
baseline
▲ 0.50% · 4.625%
HK$119,411
+HK$6,849/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$225,124/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,835
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$120,995
−HK$3,206/mo
Today · 4.125%
HK$124,201
baseline
▲ 0.50% · 4.625%
HK$130,748
+HK$6,547/mo
Deposit HK$2.58M · loan HK$23.23M · min. income ≈ HK$248,402/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$1,096,756 · Scale 2, in force from 26 Feb 2026)