LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,618
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,441
−HK$1,853/mo
Today · 4.125%
HK$62,294
baseline
▲ 0.50% · 4.625%
HK$66,084
+HK$3,790/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,588/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,212
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,961
−HK$1,774/mo
Today · 4.125%
HK$68,735
baseline
▲ 0.50% · 4.625%
HK$72,358
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,470/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,342
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,530
−HK$2,223/mo
Today · 4.125%
HK$74,753
baseline
▲ 0.50% · 4.625%
HK$79,301
+HK$4,548/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,506/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,254
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,353
−HK$2,129/mo
Today · 4.125%
HK$82,482
baseline
▲ 0.50% · 4.625%
HK$86,830
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,964/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,065
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,618
−HK$2,594/mo
Today · 4.125%
HK$87,212
baseline
▲ 0.50% · 4.625%
HK$92,518
+HK$5,306/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$174,424/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,297
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,745
−HK$2,484/mo
Today · 4.125%
HK$96,229
baseline
▲ 0.50% · 4.625%
HK$101,302
+HK$5,073/mo
Deposit HK$7.71M · loan HK$17.99M · min. income ≈ HK$192,458/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,513
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,795
−HK$3,334/mo
Today · 4.125%
HK$112,129
baseline
▲ 0.50% · 4.625%
HK$118,952
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,258/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,382
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,530
−HK$3,193/mo
Today · 4.125%
HK$123,723
baseline
▲ 0.50% · 4.625%
HK$130,245
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,446/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,539 · Scale 2, in force from 26 Feb 2026)