LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,612
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,435
−HK$1,852/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$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,205
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,954
−HK$1,774/mo
Today · 4.125%
HK$68,728
baseline
▲ 0.50% · 4.625%
HK$72,350
+HK$3,622/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,456/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,334
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$2,223/mo
Today · 4.125%
HK$74,745
baseline
▲ 0.50% · 4.625%
HK$79,293
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,490/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,246
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,129/mo
Today · 4.125%
HK$82,473
baseline
▲ 0.50% · 4.625%
HK$86,821
+HK$4,348/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$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,056
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,609
−HK$2,593/mo
Today · 4.125%
HK$87,202
baseline
▲ 0.50% · 4.625%
HK$92,508
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,404/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,287
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,735
−HK$2,484/mo
Today · 4.125%
HK$96,219
baseline
▲ 0.50% · 4.625%
HK$101,291
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,438/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,501
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,783
−HK$3,334/mo
Today · 4.125%
HK$112,117
baseline
▲ 0.50% · 4.625%
HK$118,939
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,234/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,369
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,517
−HK$3,193/mo
Today · 4.125%
HK$123,710
baseline
▲ 0.50% · 4.625%
HK$130,231
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,420/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,420 · Scale 2, in force from 26 Feb 2026)