LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,593
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,416
−HK$1,852/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$66,057
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,185
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$66,933
−HK$1,773/mo
Today · 4.125%
HK$68,706
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,412/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,499
−HK$2,222/mo
Today · 4.125%
HK$74,721
baseline
▲ 0.50% · 4.625%
HK$79,268
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,442/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,222
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,319
−HK$2,129/mo
Today · 4.125%
HK$82,448
baseline
▲ 0.50% · 4.625%
HK$86,794
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,896/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,031
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,582
−HK$2,593/mo
Today · 4.125%
HK$87,175
baseline
▲ 0.50% · 4.625%
HK$92,479
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,350/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,258
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,706
−HK$2,483/mo
Today · 4.125%
HK$96,189
baseline
▲ 0.50% · 4.625%
HK$101,259
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,378/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,468
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,749
−HK$3,333/mo
Today · 4.125%
HK$112,082
baseline
▲ 0.50% · 4.625%
HK$118,902
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,164/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,332
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,479
−HK$3,192/mo
Today · 4.125%
HK$123,671
baseline
▲ 0.50% · 4.625%
HK$130,190
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,342/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,080 · Scale 2, in force from 26 Feb 2026)