LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,597
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,420
−HK$1,852/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$66,061
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,189
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,937
−HK$1,774/mo
Today · 4.125%
HK$68,711
baseline
▲ 0.50% · 4.625%
HK$72,332
+HK$3,621/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,422/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,316
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,504
−HK$2,222/mo
Today · 4.125%
HK$74,726
baseline
▲ 0.50% · 4.625%
HK$79,273
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,452/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,226
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,324
−HK$2,129/mo
Today · 4.125%
HK$82,453
baseline
▲ 0.50% · 4.625%
HK$86,799
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,906/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,036
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,588
−HK$2,592/mo
Today · 4.125%
HK$87,180
baseline
▲ 0.50% · 4.625%
HK$92,485
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,360/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,264
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,712
−HK$2,483/mo
Today · 4.125%
HK$96,195
baseline
▲ 0.50% · 4.625%
HK$101,265
+HK$5,070/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,390/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,756
−HK$3,333/mo
Today · 4.125%
HK$112,089
baseline
▲ 0.50% · 4.625%
HK$118,909
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,178/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,340
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,487
−HK$3,192/mo
Today · 4.125%
HK$123,679
baseline
▲ 0.50% · 4.625%
HK$130,198
+HK$6,519/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,358/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,148 · Scale 2, in force from 26 Feb 2026)