LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,620
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,444
−HK$1,852/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$66,087
+HK$3,791/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,214
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,963
−HK$1,775/mo
Today · 4.125%
HK$68,738
baseline
▲ 0.50% · 4.625%
HK$72,361
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,476/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,344
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,532
−HK$2,223/mo
Today · 4.125%
HK$74,755
baseline
▲ 0.50% · 4.625%
HK$79,304
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$149,510/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,257
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,356
−HK$2,129/mo
Today · 4.125%
HK$82,485
baseline
▲ 0.50% · 4.625%
HK$86,833
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.42M · min. income ≈ HK$164,970/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,068
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,621
−HK$2,594/mo
Today · 4.125%
HK$87,215
baseline
▲ 0.50% · 4.625%
HK$92,521
+HK$5,306/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,430/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,300
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,749
−HK$2,484/mo
Today · 4.125%
HK$96,233
baseline
▲ 0.50% · 4.625%
HK$101,305
+HK$5,072/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,466/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,516
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,798
−HK$3,335/mo
Today · 4.125%
HK$112,133
baseline
▲ 0.50% · 4.625%
HK$118,956
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,266/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,386
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,534
−HK$3,194/mo
Today · 4.125%
HK$123,728
baseline
▲ 0.50% · 4.625%
HK$130,250
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,456/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,578 · Scale 2, in force from 26 Feb 2026)