LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,622
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,446
−HK$1,852/mo
Today · 4.125%
HK$62,298
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,791/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$124,596/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,217
−HK$3,523/mo
▼ 0.25% · 3.875%
HK$66,966
−HK$1,774/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,363
+HK$3,623/mo
Deposit HK$12.85M · loan HK$12.85M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,347
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$2,223/mo
Today · 4.125%
HK$74,758
baseline
▲ 0.50% · 4.625%
HK$79,307
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,516/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,129/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$86,836
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,071
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,624
−HK$2,594/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$92,525
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,303
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,752
−HK$2,484/mo
Today · 4.125%
HK$96,236
baseline
▲ 0.50% · 4.625%
HK$101,309
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,472/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,520
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,802
−HK$3,335/mo
Today · 4.125%
HK$112,137
baseline
▲ 0.50% · 4.625%
HK$118,960
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,274/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,390
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,538
−HK$3,194/mo
Today · 4.125%
HK$123,732
baseline
▲ 0.50% · 4.625%
HK$130,254
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,464/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,616 · Scale 2, in force from 26 Feb 2026)