LTV · monthly repayment
▼ 0.50% · 3.625%
HK$58,547
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$60,368
−HK$1,851/mo
Today · 4.125%
HK$62,219
baseline
▲ 0.50% · 4.625%
HK$66,005
+HK$3,786/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$124,438/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,133
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$1,772/mo
Today · 4.125%
HK$68,652
baseline
▲ 0.50% · 4.625%
HK$72,271
+HK$3,619/mo
Deposit HK$12.84M · loan HK$12.84M · min. income ≈ HK$137,304/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,257
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$2,220/mo
Today · 4.125%
HK$74,662
baseline
▲ 0.50% · 4.625%
HK$79,206
+HK$4,544/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$149,324/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,160
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,256
−HK$2,127/mo
Today · 4.125%
HK$82,383
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,342/mo
Deposit HK$10.27M · loan HK$15.41M · min. income ≈ HK$164,766/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,966
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,590/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$5,300/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,187
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,632
−HK$2,481/mo
Today · 4.125%
HK$96,113
baseline
▲ 0.50% · 4.625%
HK$101,179
+HK$5,066/mo
Deposit HK$7.70M · loan HK$17.97M · min. income ≈ HK$192,226/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,385
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$108,663
−HK$3,331/mo
Today · 4.125%
HK$111,994
baseline
▲ 0.50% · 4.625%
HK$118,808
+HK$6,814/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$223,988/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,240
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,384
−HK$3,190/mo
Today · 4.125%
HK$123,574
baseline
▲ 0.50% · 4.625%
HK$130,088
+HK$6,514/mo
Deposit HK$2.57M · loan HK$23.11M · min. income ≈ HK$247,148/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$1,091,220 · Scale 2, in force from 26 Feb 2026)