LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,762
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$60,590
−HK$1,857/mo
Today · 4.125%
HK$62,447
baseline
▲ 0.50% · 4.625%
HK$66,247
+HK$3,800/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$124,894/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,372
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$67,126
−HK$1,778/mo
Today · 4.125%
HK$68,904
baseline
▲ 0.50% · 4.625%
HK$72,536
+HK$3,632/mo
Deposit HK$12.89M · loan HK$12.89M · min. income ≈ HK$137,808/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,708
−HK$2,229/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,496
+HK$4,559/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,447
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,551
−HK$2,134/mo
Today · 4.125%
HK$82,685
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,359/mo
Deposit HK$10.31M · loan HK$15.46M · min. income ≈ HK$165,370/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,267
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,826
−HK$2,600/mo
Today · 4.125%
HK$87,426
baseline
▲ 0.50% · 4.625%
HK$92,746
+HK$5,320/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$174,852/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,521
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$93,976
−HK$2,490/mo
Today · 4.125%
HK$96,466
baseline
▲ 0.50% · 4.625%
HK$101,551
+HK$5,085/mo
Deposit HK$7.73M · loan HK$18.04M · min. income ≈ HK$192,932/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,772
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,062
−HK$3,343/mo
Today · 4.125%
HK$112,405
baseline
▲ 0.50% · 4.625%
HK$119,244
+HK$6,839/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$224,810/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,670
−HK$6,358/mo
▼ 0.25% · 3.875%
HK$120,826
−HK$3,202/mo
Today · 4.125%
HK$124,028
baseline
▲ 0.50% · 4.625%
HK$130,565
+HK$6,537/mo
Deposit HK$2.58M · loan HK$23.19M · min. income ≈ HK$248,056/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$1,095,226 · Scale 2, in force from 26 Feb 2026)