LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,595
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,851/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$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,186
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$1,773/mo
Today · 4.125%
HK$68,708
baseline
▲ 0.50% · 4.625%
HK$72,330
+HK$3,622/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$1,092,110 · 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$79,270
+HK$4,547/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$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,224
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,322
−HK$2,128/mo
Today · 4.125%
HK$82,450
baseline
▲ 0.50% · 4.625%
HK$86,796
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,900/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,033
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,585
−HK$2,592/mo
Today · 4.125%
HK$87,177
baseline
▲ 0.50% · 4.625%
HK$92,482
+HK$5,305/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$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,261
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,709
−HK$2,483/mo
Today · 4.125%
HK$96,192
baseline
▲ 0.50% · 4.625%
HK$101,262
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,384/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,471
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,752
−HK$3,333/mo
Today · 4.125%
HK$112,085
baseline
▲ 0.50% · 4.625%
HK$118,905
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,170/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,336
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,482
−HK$3,193/mo
Today · 4.125%
HK$123,675
baseline
▲ 0.50% · 4.625%
HK$130,194
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,350/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,110 · Scale 2, in force from 26 Feb 2026)