LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,591
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,414
−HK$1,852/mo
Today · 4.125%
HK$62,266
baseline
▲ 0.50% · 4.625%
HK$66,054
+HK$3,788/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,532/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,182
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,930
−HK$1,774/mo
Today · 4.125%
HK$68,704
baseline
▲ 0.50% · 4.625%
HK$72,325
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,408/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,310
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,497
−HK$2,222/mo
Today · 4.125%
HK$74,719
baseline
▲ 0.50% · 4.625%
HK$79,265
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,438/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,219
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,317
−HK$2,128/mo
Today · 4.125%
HK$82,445
baseline
▲ 0.50% · 4.625%
HK$86,790
+HK$4,345/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,890/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,028
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,579
−HK$2,593/mo
Today · 4.125%
HK$87,172
baseline
▲ 0.50% · 4.625%
HK$92,476
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,344/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,255
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,703
−HK$2,482/mo
Today · 4.125%
HK$96,185
baseline
▲ 0.50% · 4.625%
HK$101,256
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,370/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,464
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,745
−HK$3,333/mo
Today · 4.125%
HK$112,078
baseline
▲ 0.50% · 4.625%
HK$118,898
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,156/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,328
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,475
−HK$3,192/mo
Today · 4.125%
HK$123,667
baseline
▲ 0.50% · 4.625%
HK$130,186
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,334/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,041 · Scale 2, in force from 26 Feb 2026)