LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,604
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,852/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$66,069
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,196
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$1,774/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,341
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,325
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,512
−HK$2,223/mo
Today · 4.125%
HK$74,735
baseline
▲ 0.50% · 4.625%
HK$79,282
+HK$4,547/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,470/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,236
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,334
−HK$2,128/mo
Today · 4.125%
HK$82,462
baseline
▲ 0.50% · 4.625%
HK$86,809
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,924/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,046
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,598
−HK$2,593/mo
Today · 4.125%
HK$87,191
baseline
▲ 0.50% · 4.625%
HK$92,496
+HK$5,305/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,382/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,275
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,483/mo
Today · 4.125%
HK$96,206
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,071/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,412/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,487
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,768
−HK$3,334/mo
Today · 4.125%
HK$112,102
baseline
▲ 0.50% · 4.625%
HK$118,923
+HK$6,821/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,204/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,353
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,501
−HK$3,193/mo
Today · 4.125%
HK$123,694
baseline
▲ 0.50% · 4.625%
HK$130,214
+HK$6,520/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,388/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,277 · Scale 2, in force from 26 Feb 2026)