LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,602
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,425
−HK$1,852/mo
Today · 4.125%
HK$62,277
baseline
▲ 0.50% · 4.625%
HK$66,066
+HK$3,789/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,554/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,194
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$66,943
−HK$1,773/mo
Today · 4.125%
HK$68,716
baseline
▲ 0.50% · 4.625%
HK$72,339
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,432/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,510
−HK$2,222/mo
Today · 4.125%
HK$74,732
baseline
▲ 0.50% · 4.625%
HK$79,280
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,464/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,233
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,331
−HK$2,129/mo
Today · 4.125%
HK$82,460
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,346/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,920/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,043
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,595
−HK$2,593/mo
Today · 4.125%
HK$87,188
baseline
▲ 0.50% · 4.625%
HK$92,493
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,376/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,272
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,720
−HK$2,483/mo
Today · 4.125%
HK$96,203
baseline
▲ 0.50% · 4.625%
HK$101,274
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,406/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,484
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,765
−HK$3,333/mo
Today · 4.125%
HK$112,098
baseline
▲ 0.50% · 4.625%
HK$118,919
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,196/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,349
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,497
−HK$3,192/mo
Today · 4.125%
HK$123,689
baseline
▲ 0.50% · 4.625%
HK$130,209
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,378/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,239 · Scale 2, in force from 26 Feb 2026)