LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,613
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,436
−HK$1,852/mo
Today · 4.125%
HK$62,288
baseline
▲ 0.50% · 4.625%
HK$66,078
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,576/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,206
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,955
−HK$1,774/mo
Today · 4.125%
HK$68,729
baseline
▲ 0.50% · 4.625%
HK$72,352
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,458/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,335
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,523
−HK$2,223/mo
Today · 4.125%
HK$74,746
baseline
▲ 0.50% · 4.625%
HK$79,294
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,492/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,247
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,346
−HK$2,128/mo
Today · 4.125%
HK$82,474
baseline
▲ 0.50% · 4.625%
HK$86,822
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,948/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,058
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,610
−HK$2,593/mo
Today · 4.125%
HK$87,203
baseline
▲ 0.50% · 4.625%
HK$92,509
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,406/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,288
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,737
−HK$2,483/mo
Today · 4.125%
HK$96,220
baseline
▲ 0.50% · 4.625%
HK$101,292
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,440/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,503
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,784
−HK$3,335/mo
Today · 4.125%
HK$112,119
baseline
▲ 0.50% · 4.625%
HK$118,941
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,238/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,371
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,518
−HK$3,194/mo
Today · 4.125%
HK$123,712
baseline
▲ 0.50% · 4.625%
HK$130,233
+HK$6,521/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,424/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,436 · Scale 2, in force from 26 Feb 2026)