LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,615
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$60,438
−HK$1,852/mo
Today · 4.125%
HK$62,290
baseline
▲ 0.50% · 4.625%
HK$66,081
+HK$3,791/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,580/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,208
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,957
−HK$1,774/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,354
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,338
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,526
−HK$2,222/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,250
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,129/mo
Today · 4.125%
HK$82,478
baseline
▲ 0.50% · 4.625%
HK$86,825
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,956/mo (50% DSR)
Upfront cash ≈ HK$11.37M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,061
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,613
−HK$2,594/mo
Today · 4.125%
HK$87,207
baseline
▲ 0.50% · 4.625%
HK$92,513
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,414/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,292
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,740
−HK$2,484/mo
Today · 4.125%
HK$96,224
baseline
▲ 0.50% · 4.625%
HK$101,296
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,448/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,506
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,788
−HK$3,335/mo
Today · 4.125%
HK$112,123
baseline
▲ 0.50% · 4.625%
HK$118,945
+HK$6,822/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$224,246/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,375
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,523
−HK$3,193/mo
Today · 4.125%
HK$123,716
baseline
▲ 0.50% · 4.625%
HK$130,238
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.13M · min. income ≈ HK$247,432/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,476 · Scale 2, in force from 26 Feb 2026)