LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,627
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$60,451
−HK$1,852/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$66,094
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,222
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$1,775/mo
Today · 4.125%
HK$68,746
baseline
▲ 0.50% · 4.625%
HK$72,369
+HK$3,623/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,492/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,352
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$2,223/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,313
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,528/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,266
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,365
−HK$2,130/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$86,843
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,078
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,631
−HK$2,594/mo
Today · 4.125%
HK$87,225
baseline
▲ 0.50% · 4.625%
HK$92,532
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,450/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,311
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,760
−HK$2,484/mo
Today · 4.125%
HK$96,244
baseline
▲ 0.50% · 4.625%
HK$101,317
+HK$5,073/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,488/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,529
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,811
−HK$3,335/mo
Today · 4.125%
HK$112,146
baseline
▲ 0.50% · 4.625%
HK$118,970
+HK$6,824/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,292/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,400
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,548
−HK$3,194/mo
Today · 4.125%
HK$123,742
baseline
▲ 0.50% · 4.625%
HK$130,265
+HK$6,523/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,484/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,706 · Scale 2, in force from 26 Feb 2026)