LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,641
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,853/mo
Today · 4.125%
HK$62,318
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,792/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$124,636/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,237
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,987
−HK$1,775/mo
Today · 4.125%
HK$68,762
baseline
▲ 0.50% · 4.625%
HK$72,386
+HK$3,624/mo
Deposit HK$12.86M · loan HK$12.86M · min. income ≈ HK$137,524/mo (50% DSR)
Upfront cash ≈ HK$13.95M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,369
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,558
−HK$2,224/mo
Today · 4.125%
HK$74,782
baseline
▲ 0.50% · 4.625%
HK$79,332
+HK$4,550/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$149,564/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,285
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,384
−HK$2,130/mo
Today · 4.125%
HK$82,514
baseline
▲ 0.50% · 4.625%
HK$86,863
+HK$4,349/mo
Deposit HK$10.29M · loan HK$15.43M · min. income ≈ HK$165,028/mo (50% DSR)
Upfront cash ≈ HK$11.38M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,097
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$84,651
−HK$2,594/mo
Today · 4.125%
HK$87,245
baseline
▲ 0.50% · 4.625%
HK$92,554
+HK$5,309/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$174,490/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,332
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$93,781
−HK$2,485/mo
Today · 4.125%
HK$96,266
baseline
▲ 0.50% · 4.625%
HK$101,341
+HK$5,075/mo
Deposit HK$7.72M · loan HK$18.00M · min. income ≈ HK$192,532/mo (50% DSR)
Upfront cash ≈ HK$8.81M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,553
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,836
−HK$3,336/mo
Today · 4.125%
HK$112,172
baseline
▲ 0.50% · 4.625%
HK$118,998
+HK$6,826/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$224,344/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,427
−HK$6,344/mo
▼ 0.25% · 3.875%
HK$120,576
−HK$3,195/mo
Today · 4.125%
HK$123,771
baseline
▲ 0.50% · 4.625%
HK$130,295
+HK$6,524/mo
Deposit HK$2.57M · loan HK$23.15M · min. income ≈ HK$247,542/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,092,960 · Scale 2, in force from 26 Feb 2026)