LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,611
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,434
−HK$1,853/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,204
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,953
−HK$1,774/mo
Today · 4.125%
HK$68,727
baseline
▲ 0.50% · 4.625%
HK$72,350
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,454/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,334
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,521
−HK$2,223/mo
Today · 4.125%
HK$74,744
baseline
▲ 0.50% · 4.625%
HK$79,292
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,488/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,245
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,129/mo
Today · 4.125%
HK$82,473
baseline
▲ 0.50% · 4.625%
HK$86,820
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,946/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,056
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,608
−HK$2,593/mo
Today · 4.125%
HK$87,201
baseline
▲ 0.50% · 4.625%
HK$92,507
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,402/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,286
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,734
−HK$2,484/mo
Today · 4.125%
HK$96,218
baseline
▲ 0.50% · 4.625%
HK$101,290
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,436/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,500
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,782
−HK$3,334/mo
Today · 4.125%
HK$112,116
baseline
▲ 0.50% · 4.625%
HK$118,938
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,232/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,368
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,516
−HK$3,193/mo
Today · 4.125%
HK$123,709
baseline
▲ 0.50% · 4.625%
HK$130,230
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,418/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,412 · Scale 2, in force from 26 Feb 2026)