LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,599
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,422
−HK$1,852/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$66,063
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,191
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,939
−HK$1,774/mo
Today · 4.125%
HK$68,713
baseline
▲ 0.50% · 4.625%
HK$72,335
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,426/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,319
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,506
−HK$2,222/mo
Today · 4.125%
HK$74,728
baseline
▲ 0.50% · 4.625%
HK$79,275
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,456/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,229
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,327
−HK$2,128/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,039
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,590
−HK$2,593/mo
Today · 4.125%
HK$87,183
baseline
▲ 0.50% · 4.625%
HK$92,488
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,366/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,267
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,715
−HK$2,483/mo
Today · 4.125%
HK$96,198
baseline
▲ 0.50% · 4.625%
HK$101,269
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,396/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,478
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,759
−HK$3,334/mo
Today · 4.125%
HK$112,093
baseline
▲ 0.50% · 4.625%
HK$118,913
+HK$6,820/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,186/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,343
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,490
−HK$3,193/mo
Today · 4.125%
HK$123,683
baseline
▲ 0.50% · 4.625%
HK$130,203
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,366/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,183 · Scale 2, in force from 26 Feb 2026)