LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,629
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,853/mo
Today · 4.125%
HK$62,306
baseline
▲ 0.50% · 4.625%
HK$66,097
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,612/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,224
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,973
−HK$1,775/mo
Today · 4.125%
HK$68,748
baseline
▲ 0.50% · 4.625%
HK$72,372
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,496/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,355
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,543
−HK$2,224/mo
Today · 4.125%
HK$74,767
baseline
▲ 0.50% · 4.625%
HK$79,316
+HK$4,549/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$149,534/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,269
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,368
−HK$2,130/mo
Today · 4.125%
HK$82,498
baseline
▲ 0.50% · 4.625%
HK$86,846
+HK$4,348/mo
Deposit HK$10.28M · loan HK$15.43M · min. income ≈ HK$164,996/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,081
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$84,634
−HK$2,594/mo
Today · 4.125%
HK$87,228
baseline
▲ 0.50% · 4.625%
HK$92,535
+HK$5,307/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,456/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,314
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,763
−HK$2,484/mo
Today · 4.125%
HK$96,247
baseline
▲ 0.50% · 4.625%
HK$101,321
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,494/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,532
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,815
−HK$3,335/mo
Today · 4.125%
HK$112,150
baseline
▲ 0.50% · 4.625%
HK$118,974
+HK$6,824/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,300/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,403
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,552
−HK$3,194/mo
Today · 4.125%
HK$123,746
baseline
▲ 0.50% · 4.625%
HK$130,269
+HK$6,523/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,492/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,742 · Scale 2, in force from 26 Feb 2026)