LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,592
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,414
−HK$1,852/mo
Today · 4.125%
HK$62,266
baseline
▲ 0.50% · 4.625%
HK$66,055
+HK$3,789/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$1,092,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,183
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,931
−HK$1,773/mo
Today · 4.125%
HK$68,704
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$3,622/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$1,092,050 · 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$79,266
+HK$4,547/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$1,092,050 · 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$86,791
+HK$4,346/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$1,092,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,029
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,580
−HK$2,592/mo
Today · 4.125%
HK$87,172
baseline
▲ 0.50% · 4.625%
HK$92,477
+HK$5,305/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$1,092,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,256
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,703
−HK$2,483/mo
Today · 4.125%
HK$96,186
baseline
▲ 0.50% · 4.625%
HK$101,256
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,372/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,465
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,746
−HK$3,333/mo
Today · 4.125%
HK$112,079
baseline
▲ 0.50% · 4.625%
HK$118,899
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,158/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,329
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,476
−HK$3,192/mo
Today · 4.125%
HK$123,668
baseline
▲ 0.50% · 4.625%
HK$130,187
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,336/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,050 · Scale 2, in force from 26 Feb 2026)