LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,627
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,451
−HK$1,853/mo
Today · 4.125%
HK$62,304
baseline
▲ 0.50% · 4.625%
HK$66,095
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,608/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,709 · 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$72,370
+HK$3,624/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$1,092,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,353
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$2,223/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,314
+HK$4,550/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$1,092,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,267
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,366
−HK$2,129/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$86,844
+HK$4,349/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$1,092,709 · 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$92,533
+HK$5,308/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$1,092,709 · 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$1,092,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,529
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,811
−HK$3,336/mo
Today · 4.125%
HK$112,147
baseline
▲ 0.50% · 4.625%
HK$118,970
+HK$6,823/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,294/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,400
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,548
−HK$3,195/mo
Today · 4.125%
HK$123,743
baseline
▲ 0.50% · 4.625%
HK$130,265
+HK$6,522/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,486/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,709 · Scale 2, in force from 26 Feb 2026)