LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,595
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,417
−HK$1,852/mo
Today · 4.125%
HK$62,269
baseline
▲ 0.50% · 4.625%
HK$66,058
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,538/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,186
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,934
−HK$1,774/mo
Today · 4.125%
HK$68,708
baseline
▲ 0.50% · 4.625%
HK$72,329
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,416/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,314
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$2,222/mo
Today · 4.125%
HK$74,723
baseline
▲ 0.50% · 4.625%
HK$79,269
+HK$4,546/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,446/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,223
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,321
−HK$2,128/mo
Today · 4.125%
HK$82,449
baseline
▲ 0.50% · 4.625%
HK$86,795
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,898/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,032
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,584
−HK$2,593/mo
Today · 4.125%
HK$87,177
baseline
▲ 0.50% · 4.625%
HK$92,481
+HK$5,304/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,354/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,260
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,708
−HK$2,483/mo
Today · 4.125%
HK$96,191
baseline
▲ 0.50% · 4.625%
HK$101,261
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,382/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,470
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,751
−HK$3,333/mo
Today · 4.125%
HK$112,084
baseline
▲ 0.50% · 4.625%
HK$118,904
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,168/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,335
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,481
−HK$3,193/mo
Today · 4.125%
HK$123,674
baseline
▲ 0.50% · 4.625%
HK$130,193
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,348/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,101 · Scale 2, in force from 26 Feb 2026)