LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,617
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,440
−HK$1,853/mo
Today · 4.125%
HK$62,293
baseline
▲ 0.50% · 4.625%
HK$66,083
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,586/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,211
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,960
−HK$1,774/mo
Today · 4.125%
HK$68,734
baseline
▲ 0.50% · 4.625%
HK$72,357
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,468/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,340
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,528
−HK$2,223/mo
Today · 4.125%
HK$74,751
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,502/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,253
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,352
−HK$2,129/mo
Today · 4.125%
HK$82,481
baseline
▲ 0.50% · 4.625%
HK$86,828
+HK$4,347/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,962/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,064
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,616
−HK$2,594/mo
Today · 4.125%
HK$87,210
baseline
▲ 0.50% · 4.625%
HK$92,516
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,420/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,295
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,744
−HK$2,484/mo
Today · 4.125%
HK$96,228
baseline
▲ 0.50% · 4.625%
HK$101,300
+HK$5,072/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,456/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,511
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,793
−HK$3,334/mo
Today · 4.125%
HK$112,127
baseline
▲ 0.50% · 4.625%
HK$118,950
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,254/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,379
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,528
−HK$3,193/mo
Today · 4.125%
HK$123,721
baseline
▲ 0.50% · 4.625%
HK$130,243
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,442/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,519 · Scale 2, in force from 26 Feb 2026)