LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,633
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,853/mo
Today · 4.125%
HK$62,310
baseline
▲ 0.50% · 4.625%
HK$66,101
+HK$3,791/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,620/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,229
−HK$3,524/mo
▼ 0.25% · 3.875%
HK$66,978
−HK$1,775/mo
Today · 4.125%
HK$68,753
baseline
▲ 0.50% · 4.625%
HK$72,377
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,506/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,548
−HK$2,224/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$79,322
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,275
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,374
−HK$2,129/mo
Today · 4.125%
HK$82,503
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,006/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,086
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,640
−HK$2,594/mo
Today · 4.125%
HK$87,234
baseline
▲ 0.50% · 4.625%
HK$92,542
+HK$5,308/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$174,468/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,320
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,769
−HK$2,485/mo
Today · 4.125%
HK$96,254
baseline
▲ 0.50% · 4.625%
HK$101,328
+HK$5,074/mo
Deposit HK$7.71M · loan HK$18.00M · min. income ≈ HK$192,508/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,540
−HK$6,618/mo
▼ 0.25% · 3.875%
HK$108,823
−HK$3,335/mo
Today · 4.125%
HK$112,158
baseline
▲ 0.50% · 4.625%
HK$118,982
+HK$6,824/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$224,316/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,412
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,561
−HK$3,194/mo
Today · 4.125%
HK$123,755
baseline
▲ 0.50% · 4.625%
HK$130,278
+HK$6,523/mo
Deposit HK$2.57M · loan HK$23.14M · min. income ≈ HK$247,510/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,820 · Scale 2, in force from 26 Feb 2026)